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3-2002 March 2002 Inland Empire Business Journal

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Recommended Citation Inland Empire Business Journal, "March 2002" (2002). Inland Empire Business Journal. Paper 247. http://scholarworks.lib.csusb.edu/iebusinessjournal/247

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Special: INLA D EMPIRE Finaocia]_ln_stitl.!tiQ_ns Malls and Retail Stores I Executive Education I r I Mental Health_Care www. busjou rnal.com Dr. Kenneth Toy set Page 9 MA RCH 2002 $2.00 La Quinta "Stakeholders" Break Ground for a New Senior Citizens Rental Neighborhood Officials from the city of La famil y, detached for-sale homes, Qumta and its partner development most of wh1ch are now purchased firm s, as well as re presentatives and occupi ed, and second is the from th e cit y's public \O fety depart ­ stan of constru cti on -of the next ments, the local hi gh school, bu >i­ phase, consisting of the duplex for­ n es'ie~. and the se ni or cati Le ns cen­ rent homes for seniors. ter. commemorated the c it y'~ mno­ Scheduled for complet1 on vati ve program to pro\ide a wade in the fi rst quarter of 2003, the 11 8 range of housin g opportunities fo r duplex rental ho m e~ for se ni ors will its residents, by breaking ground provide smgle-story living, renect­ for a new senior citizens neighbor­ ing Miranores' early California hood in th e Miranores planned architecture. and will bri ng yet community. another facet to the diverse planned The ceremony at the si te com­ community. A cl ubhouse and pool memorated two significant events will provide a center of activity for Representari••es of rhe Ciry of La Quinra - Ciry go'vernmenr, public safery, public for thi s pioneering. ~mmu nil y . the neighborhood which will face schools. businesses and senior citi;.ens - all/end a ham/ in breaking ground for a First is the near oompletion of the the vi ll age green. new senior citizens renwl neighborhood in 1he Mirajlores planned community. first phase consisting of 86 sin gle- colllinued on page 16 JAr DE Consolidating Former Army Aviation California's Energy Captain John Magnes The 121{1 Annual Wine Ex travaganza, feat uring Jerry D. Bureaucracy dapts His Pilot Skill to "Fly Mead's ew World International by Bill Hauck and Alan Zaremberg the Aircraft" of Hill wood's Wine Competition. is bei ng hosr­ California's energy bureaucracy is in dire ed for th e second consecuti ve need of an overhaul. Long before last year's AllianceCalifornia~" year by the Ca;a olina Cenrerfor energy crisis, Califomia's•energy departments by Georgine La••eland Rehabilitation to benefit its were incapable of dealing with the demands of Combining in genuity, Outdoor Adventures Program. the new energy marketplace. One reason is that courage and imagination, for­ Special The Outdoor Adventures there are at least six separate' agencies that play mer U.S. rmy Aviation Program is a one-of-a-kmd pro­ import ant roles in energy jjolicy and regulation, Captain John Michael Magness Sections gram dedicated to empowering and they often have no idea what the other is is leading the troops of the busi­ Stock Sheet people with disabilities by creat­ doing. ness world in ways that are very page 23 ing challenging experi ences in the To improve accountability and efficiency, sim ilar to hi s expe ri ences on o utd oor~ . Panicipation at thi s and help stabilize energy supply and prices in the battlefield in Desert Storn1. pages 51 event will help support the California's energy market, the California II was during a fu el stop in Outdoor Adventures Program in Business Roundtable and the California the desert that hi s company of New Atttintten 2002 and 2003. La;t year's Wine Chamber of Commerce relea>ed a groundbreak­ II heli copters recei,ed an page 52,53 Extravaganza raio;ed more than mg proposal to consolidate the number of agen­ S.O.S. from th e commander of $30.000. which helped to provide Cies wi th authority over energy policy, regula­ a support group under att ack by Capt. Magness's company real ­ more than 150 day; of outdoor tion and funding, in to a single. cabinet-level Iraqi armored vehicles. The ized that 11 could not idenllfy tn p.., 111 200 I and served more California Department of Energy. group was in a real bind the Americans from a distance. than 1200 individuals wllh spinal nder the new plan, the d1rector of the ener­ because. as a support group, 11 he SJgnaled the U.S. troops to contmued tm page ~ cmuinued on page II carri ed few weapon>. When conwured on phlp program in Still we were shocked and s1mply because she IS female and Troops to Teachers program. whKh wh1ch crcdentwl students are work­ ama1ed when we heard of her reac Htspamc, she needs a very loud MANAGER' S BOOKSHELF...... 49 Investors Must Consider Options ...... 29 encourages retired and soon-to-be mg w1th moderate to '-ieverely dis­ tion to the recent death of a 17-year­ wake-up call. There are better quali ­ NEW BUSINESS ...... 52, 53 retired members of the mtlitar} to abled children old girl at an illegal street race 111 fied women and Hit;pan ics who are PriceWaterhouseCoopers Launches Campus Campaign ...... 31 become teachers . Young satd she posed the ques­ Ontario. more semt~tive to the th ings that Mrs. Bu;h replied that the pro­ tion about the Troops to Teachers Ontano Police Chtel Lloyd count in her district. gram ts 1m.p1ring and encouraging, program from ht:r years as a teocher Scharf has worked hard to make the State Senator Nell Soto needs Great Hospltality Begins With a SM ILE! ...... 36 \\. atching retired officers and non­ at the Los Angele; Unified School rares and the auendance at the races more than a map and a nashhght. il ll:gal The glonfication of the commissioned officers teach at·ri..,k District. \\1here she worked with a She needs a new\paper subscnption Lessons in Etiquette ...... 37 schools and ~er\mg as mentors to number of teachers who are ret1red cvcnh with movies like Fast ami as well. studenh 111 need. She sa1d the pres I· miluary. "These people are highly dent has mcreased the program's mouvoted, don't tire easily ant! Feldman. prestdent of the American al di rector in the Footsteps to Coddmg to Head Up Tournament Operations ...... 47 budget of 5>3 million to $30 mill ion. Fedemt1011 of Teachers. Barbara PUBLISHED BY BOARD CHAIRMAN bring a po'litl\e ottitude to the cla\s­ Freedom (The Under!)round O..ly PLret f'ubh,jung. Inc. William Anthony Mrs. Bush was pleased wnh the room,'' Young ~a1d. Kelley. chatr of the National Board Ra il road). a pro fesst onal study tour MANAGING EDITOR opportunll} to talk about the proJect. Mrs. Bush has championed the for Professiona l Teachmg of ro utes used by slaves and aboli­ Vol XII I. No. I, January 2001 - Inland Emptre Business Journal is published lngnd Anlhony Standards; Mt chael PoliakoiT. prest monthly by Daily Planet Publishing. Inc .. 8560 Vineyard Ave., Suite 306, Upon learnmg of Professor Young's Troops lo Teachers program, which tJ omsts to escape the South prior to PUBLISHER'S ADVISO RY BOA RD Rancho Cucamonga. CA 91730-4352. (909) 484·9765. Bulk rate U.S. postage experience a~.; an instructor and men­ is a tra n'-, itional program to help dent of th e Nati onal Coun cil on and during the Civtl War. The Juhan Nava, Ph.D., Former U.S. Amba~~ador to Mexico paid, Ontario, CA. permit No. I Send address c hanges to: Inland Empire tor in teacher education al the un i­ rt!t ired mil it ary personne l t:a rn Teacher Quality; and c losmg eight-day study tour ~ tart s in Gordon Pat.ter, Dean of the School of But.me'li. & Public Admin ., Business Journal, Circulation Depl., 8560 Vineyard Ave .. Suite 306, Ranc ho versity's Coll ege of Educati on and teoching credent ta ls and. once cei1J ­ remarks from U.S. Secretary of Kentuc ky and makes its way to Cal . State Univer..ny San Bemardmo Cucamonga, CA 91730-4352. Information in the Inland Empire Busin e'IS Stephen c_ Morgan. Pres1dent, Univer~lty of La Verne the college's outstanding and suc­ fted, help them find JObs. Accordmg Education Rod Paige Canada. Teachers and educators Journal is deemed 10 be reliable, bul the accuracy of !his informalion cannot D Lmn Wiley. CEO. Citizen~ Bu<:.ine\'> Bank Young is married to CSUSB be guaranlecd. The management of the Inland Emptre Business Journal does ce;sful teacher preparatiOn pro­ to th e Whue !louse, nearl y 4,000 mcorporate what they learn mto Barbara L. Crouch. Human Resource Con\ullant not promote or encourage the use of any product or service advertised herein grams. th e fi rst lady had her staff military personnel have joined the Professor C li fford Young, who IS the their teachmg curnculum. Or Jerry Young, Former Pre,ident. Chaffey College for any purpose whal\oever. Neither the information nor any opinion, which mvit e Youn g to be her guest and a ranks of teachers. execuuve 2ss1stant to un1 vers1t y Cal State, San Bernardino is o~oe Bruce Holden, Panner, Arter and Hadden. Anorneys at Law may be expressed herein. cono;;titutes an endorsement, or solicitation, for any Cl iff Cummmgs. Toyota of San Bernardmo partt cipant a1 the Whne House In addition to President Bush Pre Sident Alben Karntg. The coupl e of the fastest growing universities purpose, or for the purchase or sale of any security. .. Inland Empire Business Eduardo Ochoa, Dean of the School of Busines~ Cal Poly, Pomona Conference on " Prepanng and hts wife, speakers mc luded · has a son and grandchild . She within the 23-campus California Journal" trademark registered in the U.S. Pmcnt O ffi ce 1988 by Daily Pla ne t receive d her bachelor \ and master \ Unt verstty System . Located 60 Publishing, Inc All rights reserved. Reproduction in whole, or in part, wi thout Tomorrow's Teachers." Grover J. (Russ) Whitehurst. ass is­ CORRESPONDENTS AND COLUMNIST S written permi.,sion, i., prohtbited. Manuscripts or artwork submitled to the " It n oored me," said Youn g. tant secretar) . Offi ce of Educatt onal degrees in mus1c educat1 on from th e mtles east of Los Angeles. CSUSB Joe Lyon' J Allen Lemberger S Earl Staller LydoaGIU\UParra C.-IOiCampos Au'llm 8 FJhou Mug..m P De~eley M11rgaretM•Iler In land Empire Bu\incs<.; Journal for publication shoul d be accom panied by who joined Cal State in 1993. " It Research and Improvement in the Uni verSity of Southern Californta serves San Bernardino and Dand CotJns D11 .. 1dAnderiOtl Je~\u;a Moller Henry Hoh.unan self-addressed return envelope with correct postage. The publisher assumes no didn' t sink in until! started hearing Depanment of Educati on; Manuel J. and also received her doctorate in Riverside counties, a geography Andrea Laughlin MarlaBenwn A Ste~e Kambotman Oa\.'od E. Robbms responsibility for thei r return. Opinions expressed in co m me nt a ri e~ are those from Washington." Justiz. dean of education at th e secondary educati on/ mustcal ans larger than I 0 U.S. states. The uni­ of I he author, and not necessarily those of the Inla nd E mpire Business Journa l. STAFF Cal State President Albert Untversity of Texas at Austin; David from USC. She taught for 23 years versity has an enrollment of nearly Account Executl've Mitch llurrman Subscripti on payment must accompany all orders for the monthly journal or Edt tor Georgine Loveland W. Gordon, superintendent of lhe at the Los Angeles Unilied School 16,000 students and offers 46 under­ Travel Editor: Camille Bounds Admint!ltrator A~!>t Jessica Miller annu al Book of Lists. Copynght © 2001 Dai ly Pl anet Publis hing, Inc. Karmg satd Young would bring a Art Dtrector Chris Thomasson Admtni~lra t or A\~1 Sondra Olvera v~!u3ble perspective and insight into Elk Grove Unified School District in Distnct. graduate and 22 graduate degrees. teacher education to the conference. Elk Grove, California; Sandra Young also serves as educatton- PAGE 4 • INLAND EI\IPIRE BUSINESS JOLR!\AL MARCH2002 MARCII2002 l:"'LAND El\IPIRE BUSINESS JOLRNAL • PAGE 5

the 2002 Califorma Career Governor Announces Grants to . . EDUCATION At Deadline. Educatton Associattnn (CCEA) Spur Teth·Bascd Businesses •• Gas Gray Davts has announced continued from pagt· I deductible to the full extent of the Award. Th1s prestigious award is given that three nonprofit corporations will law. For more anfonn.:~tion, call the CSUSB Professor to Edit New Journal on cord injury. braan InJury. stroke. annually to standout educational each rece1ve $200,000 in California Casa Colina Foundation at (909) amputation, and developmental diS­ programs in eight regions through­ Technology Investment Partnership 596-7733, Ext. 2240 or 2209. abilities. to name just a few. out California, as detenmned by the match111g grants. The grants will Educational Issues Affecting Latinos The event will be held on ARMC Volunteer Auxiliar) Wins CCEA's regtonal directors. The help develop three new Regional As Latinos continue to influ­ that have not been heard before," and book reviews and other creative ly in the Americas, Murillo com­ Sunday, April 14, at the Country Career Education Award ARMC Volunteer Auxiliary received Technology Alliances (RTAs) in the ence Ameriqn thought and culture, Murillo says. "It fulfills a need for and critical wriung. ments. "It IS an ancient Suites by Ayres, 1945 Holt Ave. in The Arrowhead Regional the award in region 6, which covers Inland Empire, the San Joaqu111 one area is still lacking- a forum the scholarly community at large, The journal's audience is any­ Mesoamerican glyph found on a Ontario. Area food purveyors will Med1cal Center Volunteer Auxiliary, Riverside and San Bernardino coun­ Valley and Capital regions. for scholars and writers to analyze, which deals with Latino issues." one interested in educational issues broken piece of hand-modeled serve the1r house specialties during which pros ides local students with a ties. The CCEA is an organi zation The funds will support each critique, discuss and disseminate Cal State Provost Louis that impact Latinos; it will cover a baked clay pottery. It was once used the afternoon/evemng. The wine unique opponunity to expenence that advocates the contmued devel­ RTA's program activities which are ideas on educational issues affecting Fernandez says the journal will broad spectrum of educators, schol­ as a flat stamp," he explains. tasttng and silent auctton will be various aspects of the health care opment of career education through­ expected to begin May I. RTA 1s a them, says California State open discussions within the educa­ ars, and administrators as well as "Stamps were once anicles of trade held from 4 to 6:30p.m., and the live industry, while providing valuable out the state. It is comprised of nonprofit corporation that comb111es University, San Bernardino tion community on issues that students, parents. civic leaders, in preColombian times, and auction from 6:30 to 7 p.m. Cost is services within the hospital. has career educators of all levels. public and private sector resources Professor Enrique Murillo. impact and are relevant to Latinos activists and advocates. although this one was unearihed in $50 per person, which IS tax been recogmzed as the recipient of The auxiliary. under to accelerate the development of "We found there was a vacuum who in turn have the promise of Murillo will serve as editor of Mexico, it doesn't necessarily indi­ the direction of Pat new, technology-based businesses to be filled. We concluded that affecting discussions throughout the the groundbreaking journal, which cate its origin. Similar stamps have Redmger. includes about within the region it serves. many scholars who deal with educa­ general education community. is published by Lawrence Erlbaum been found all over the Americas." 30 local high school stu­ "There ts significant untapped tional issues affecting Latinos were '"The issues the journal rai\es Associates, Inc., New Jersey. The geometric pattern, known dents ranging in age from potenttal 111 Caltfornia's inland com­ being published sporadically, will affect the Latino community, Corinne Martmez, also an assbtant among Nahuatl-speakmg peoples as 2002 BOOK OF LISTS 14 and a half to 17 Most mum ties to create new, htgh-quality appearing singly, apan or in isolated but the journal can also serve as a professor of language, literacy and Olin, dep1cts "movement" or students join the team as JObs for people 111 h1gh-technology," instances in highly-specialiled jour­ catalyst for education in general," culture at CSUSB, will serve as one "movimiento," Munllo says. pan of a "mentoring" or said Gov. Davis. "These grants will nals, or were simply absent," said Fernandez says. "It has the potential of the journal's two associate edi­ "Our colors are black and red, "shadowing" career edu· support the creation of regional eco­ Murillo, an assistant professor with of having a ripple effect on the tors. Susana Y. Flores, a professor at for duality and balance. Because the cation program now nomic development partnerships to the depanment of language, literacy greater education community." Cal State, Fullenon, will serve as flat stamp was an anicle of trade, iNL4ND BMPIRB I offered at most h1gh unlock that potential and help power and culture in the university's The educational areas the jour­ the other assoc1ate editor. The jour­ with uncertain origin, we felt it sym­ GET IN the growth of California's high-tech bUSJness 1ouma schools. For more mfor­ College of fi9ucation. nal is most likely to cover are polt­ nal's execut1ve council will be made bolized a hemispheric awareness matwn, call Dommie economy." After consulting and working cy, research, practice, creativity and up of colleagues from CSUSB's and sensibility," he adds. "In thiS Nigro at the Arrowhead The Inland Empire RTA will with colleagues at Cal State and literary works. Its goal is to identify Center for Equity in Education, light, we hope the journal will sup­ serve San Bernardino, Riverside and BOOK OF ON THE Regional Medical Center with other educators at coll eges and and encourage more relevant which Will also be the journal's pan dialogical exchange to advance at (909) 580-6100. Imperial counties businesses. universities around the country, research, communication and theory headquarters. understanding at all levels and LISTS Murillo is overseeing the launching on the unifying theme of Latinos To ensure the periodical reflects aspects, be it theoretical, conceptu­ GROUND and editing of a new journal direct­ and education, Murillo says. the vast diversity of Latinos in edu­ al. empirical. clinical. historical, ed at educational issues affecttng Policies and practices promot­ cation, the publication's advisory methodological, and/or other in Latinos aptly named. the "Journal of ing equtty and social justice for lin­ board consists of 40 scholars and scope." 2002 WE'LL BRING YOUR Latinos and Education." guistically and culturally diverse edocators from around the country. For more infonnation, comact Cal FLOOR State's public affain office at (909) The journal's purpose "in the groups are considered in a range of Even the journal's front cover INTERIORS TO UFE short run is to create a forum to formats, such as empirical research logo holds historical significance 880-5007. allow different voices to be heard reports, essays, interviews, medw for the Latino community, especial-

List positions in the 2002 Book of Lists can be ~T:le' P.J ...... <'! ~:.5 reserved all year long - but if you reserve early, Ow£ •t'., ;:~I!.J' ~e~ can existing students, the university to leach extra class sections. .suggal and dt..srgn plflfll Student enrollment projections for the spring session, as well rrwu~l Nt w.ll ~nl'l4n c~ for the ;pring quaner at Cal State, the 200 I /02 academic year. will stop accepting new undergrad­ University President Albert TODAY. !JOUF {.C.Ifily Qur fugh" SHORT TE.RM LONG TERM Vau\ed teeJvUC! Pnor to Jl,tntng :\1agnet, Rhode' Magnet Adds '"" Staff WeTip has provided leads in 365 days a year viction, the informant can designate the bankers assoctation enltsted the ,·ide .1 strateg) for leading ana \\J:-. a media -t!lation ... din!c·c r fer Prior to JOIOIOf \1Jgnet. high profile cases such as the Jeffrey • Tips taken nationwide, no juris­ any Unued States post office of thetr help of WeTip, and together the devclopmg our tcl:hl ology pmctice Cantle Corpl r.1tmn. an l!nterpn-.e Hudson workeU for Ketchum Puhli\,; Dahmer murders and the abduction dictional boundaries choice as the reward drop location. partnershtp has netted several bank \~.hale Victoria's L,) l J"lH~ ill"'d Rhodes Hudson m m1~e. e t soft\\ 1re , ... nt(lr Ir: Rf"latlons 11 San F rJ~l.' Sl.O m 1h1 of intern, Chandra Levy The • Dedicated to contmuously expand WeTip wtll send a postal money robber arrests for law enforcement. ,eo.~lth ... (.;r ... cxprr c cc w hnr'" lhl pc ll n R odes \\it tr heahh arc flLtll..... Sh-.. s f ' .... non-profit organization receives the knowledge and awareness of order to the postmaster at the chosen WeTip was created 30 years ago \\ .lsanC1\\ "' 1 > t.:tl~ ... OL.lt men 1 1 fO\ItiO~ LC'\ f f'. ..., ll.l } ar f expc, ll.n~...... n uhl L relil mformation regarding all crimes WeTip's crime-reporting resources. post office. The informant has a 30- to combat drugs in the schools. The 1 (CLllfl. supen or clrd VH.tof J Hud LO" marld <.1\\ ue ess to the I ,.he 1\:\ uon n whJs L c uu. 1,g u.Jrs 11er and has provided key information in WeTip's Values: day window of opportunity to col­ drug program remains one of the aC'l:OU""~t f"XCL;Uti\ e at the com pan~ s eb;. m the Lompan) 's hi..,tory '"'1d hcahh ~.ur~ Hl,dson TL· 'l.!t\CL.i historic crimes, including the The safety of the informant is lect the reward, using their case most successful programs for To h urn mort about \fugnetand the (oren a <>fftce Rhodes has •nore than I 0 ) ear her hach~lor .., degret~ in cornmUPI California smuggling m 1990 which fi"t and foremost. WeTip must have number and code name. The post­ WeTip; provtding anonymous infor­ servtcn 11 prm·idl·~. '' ;, our W b Rhode IS re ::'OOS1ble! lr tie\el ..Jt l'XP~..,c 1re m ")ubi it.: rdat on" .. nd l: Hton from the L ni\erstt) Pf caused the Med Fly epidemic. the complete trust of the caller In 30 master turns the money order into mation that has led to the seizure of oping a d dirccung dicnt strt if Sl19.00ea. S ..:J Payment enclosed lr'f Rico and the Virgin Islands. To pro­ Servtce, Drug Enforcement Agency. housmg developments. get involved. Trust is always the s ____ Charge lo: ...J Vba : Add shlf'P'nglhandling ($3.50} ...J Ma.~~.crCard Book vtde a hothne that will remain Department of Justtce, Department Compantes such as CoregtS, key. s ____ ..J AMEX Addforne~lbusinr:Mda)· ($/1.50) TOial 1 s ____ I use a: J PC ...J Macinlo-.h absolutely anonymous, providing of Public Social Services, and U.S. Farmers. A.S.C IP.. Southern WeTip hotline numbers: I of I Cml11canU ______&p service 24 hours a day, 365 days a Customs, to name a few. Caltfornta Insurance Group. State (800)78-CRIME; (800)47DRUGS ; : Stgnaturc ______year. To provide rewards that are WeTip pays rewards anony­ Farm. Hartford, Penco. Firemans (800)87FRAUD,a nd ~,.,C....,C-.IC,.., patd anonymously. To never com- mously. Rewards up to $1.000 are Fund, and State Fund have support- (800)47ARSON N~ ------­ Lists C~y------~ ------~--- City ______.Swte ______z,p ---- ~ ------E-~1------MARCH 2002 PAGE 8 • INLAND EMPIRE BLSI~ESS JOLRNAL MARCH 2002 INLAND EMPIRE BUSINESS JOURNAL • PAGE 9 CORNER ON THE l'IIARKET CLOSE- UP Dr. Toy Doesn't Play Games With Musculoskeletal Injuries Maximize Profits by Minimizing Returns hy lynda Giusti-Parra occupational Illnesses. nerve from a "i lle other than the sports inJuries, he sa1d "Two o f my by Dcll'ld Cotriss prOmiSed is another key to reductng premiums you include must fit cer­ and whether the product was useful In 1988, Dr Kenneth foy grad­ Mu..,t.:uloskcktal disorders n::pn::se nt carpal tu nne l. Hence, Dr Toy ques best frie nd ~ and coll eagues treat such One of the greate't factor> returns. Always give ybur customers tam criteria for maximum effective­ and performed as promised. u.ttt.:d from the Cle\ eland St.:hool of 90 t.:ents of t.:\Cr) dollar spent on tlons the therapeutiL \ .lluc of "urg1 qars ..ts Kobe.: Br) ant o.md T1 gr:r affecting the profitability of any more than you state you wdl gl\:e m ness. Don't choose premiUms hap­ These questtons can be worded Chiroprat.:tic 111 Los Angele\. A resJ· \~oorkcr's t.:ompensation da1m"'. Of call} cutttng into the palm of the Woods. business is Qffering a money-back your adverti~ing and promotional hazardly. In addition to betng relat­ using multiple choice answers, dt!nt of Temecula, Dr To) opened h1s Accord ing to Dr. Toy, one of the guarantee. Offering to refund the materiuls. People love surprises and ed to your product, premiums must where all they have to do is circle a. oiTtcc, located at ~0630 Rancho long term henct'its o t on site, super money someone pays for your prod­ when they discover they got more be very high-quality. You don't b. or c. ThiS makes it easy to Califor111a Road, in llJ91 In the v i ~.;e d ph) sit.: a! re hahili tati on is client uct or service if he or she is not sat­ than they expected, they are much want to "water down" a great prod­ respond and thus more likely they \\alting room. a \l..all·mounii:J foun educati on. rv.. o personal tratners, ~~tied, reduces the customers· ri":>k le" likely to return the product. uct wtth a lousy premtum. Anything will return the form. It ts also rec­ tam tnt.:klcs \\atcr, m nuc~mg t.Jt.: certified by the Natinnal At.:adcm)' o f and makes them more comfortable ~lake sure your product ts of higher cu~tomers rece1ve that isn't high ommended to tnclude a few blank sou11U of a placid creek Sporl"i \-1 ed ll' ine L >IIJboratc \l. lth about buying from you. However. to lines for the customers to write their quality, ts more plenttful. more use­ quality renects badly on you. the The backn..~om harbors the treat­ Dr. To;, and ,.., ith each cli ent, to maximize your profits, there are own brief comments, thoughts, sug­ ful. more valuable. and/or more seller. ment adjuncts for the application of develop an md1 \ 1duali tcd. therapeu- techniques you should use to reduce convement than you state in your A premium should abo have a gestions, and/or reactions. Be sure cold packs. wam1cd towels, or mild lie exerc1sc program. The ultimate the number of Cthtly product returns to tnclude the exact address the ads, brot.:hures. and/or sales letters. very high-perceived value. Make elcctril.:al stimulus to lot.:;JiiJcd mus­ goal for C gathered paring two different exerc1se pro- uct people wi II "ant to keep. Be durable and easier to care for than not available elsewhere Another tcstimomals m your sales materials. together for a S unday a ft ernoon g rams for low bark pam while sure your product Jiyes up to any stated. Be sure to point out such Usmg such a form is extremely bcn­ example is mcludmg a free consul­ game o f football , or a round of golf as!-.es\lng the role of ... upcrviscd and clatms made in advertising and pro­ added value when people buy your tation certificate with a software efictal yet costs almost nothtng. on the hat.: k nine, must.:u loskektal unsupenised excrcJsl! (Ljunggren, motional m~terials so your cus­ products. One way to do this is to program. ThiS has a high-perceived If you sell pnnted products, mjurics and sport\ arc altnost a Weber. Kogstad, Thom & tomers will not be disappotnted wtth include a stmple nyer "tlh large there's an In \Ide ~ecret proven to value· s1nce your customers know coroll ary to one anoth c.:r Hence, Jt is Kirkcsc.) la }. Clients \\ere asked to it Include folio" -up consultatton so bold type stattng the added 'alue they can always call tf they have dramatically decrease returns. no surprise to sec large, i.iutographeJ e xer~i sc 15 to 30 minutes, three customers can contact you with any Make sure your customers k.now questions or problems. Before shtpptng books to your cus­ posters o f notable sports fi gures, times a week . After 12 months, both questwns or concerns. immediately about the added value. It is also best to keep the cost of tomers. have them shrink-wrapped. both past and present clients of Dr. groups were compared in tcm1s of Another factor that can greatly especially when it is not otherwise premtums low The examples JUSt ThiS works because although you Toy's, gracing the walls of the treat­ the disorders, carpal tunnel syn­ client's hand to release the tran\\Crse work absenteeism. Both exerc1sc affect your return rate is the length obvious. mentioned can cost very little yet are offering a guarantee. people tend ment room. Howe,er, the photos o f drome "ho are most like­ motional rn;.~terials. imprinted with the CU\IOmer's name a packaging store locally to do this structured from flexor tendons. diagnt.he mu,culoskeletal d1sorders urable results. We ers collaborate a~ a team. We \\ant to ly using a standard 30-day guaran­ This again appeal.., to the !-our­ with an on.Jer for wine Even "cer­ fi1r you. If you do high volume and whtch control finger movement. The and treat them \\ithout o..,urgcry or see measurable results. We aim for tee. A one-year. two+ year, or even a prise clement of human nature. The tificates of authenticuy" can have wi\h to do this yourself, you ct~n aim for the overall tunnel IS also a pathway for the medi­ drugs," h<' said the overall optimal health of our lifetime guarantee is even better. be~t premiUm~ are related to lhe high percetvcd value. Such premi­ \OmetJmes fmd used \hrink-wrap­ optimal health of our an nerve. This nerve conducts sensa­ From both a sports and occupa· clients," said Dr. Toy. product you are ~elling. Th1.., IS one um~ can cost very little, yet make ptng machines that wtll fit the btll. liOn from the hand. up to the ann. to You may thi!'k that "tth so much clients." tiona! health standpotnt, traditional The gym i' equtpped wtth nex more time for cu..,tomer ... to return way to be sure your customers \' with CTS to do active in rehabilitating from sports-related guarantee shows custome" you than one premJUm. Much ltkc offer­ care about them and thetr satiSfac­ ent methods until your return rate IS hand's ability to grasp ttems. Thl\ is not to say that the aforemen range of motion exercises. mjunes. Of late, however, i.l nse 10 belteve in and stand behtnd your ing long guarantee\, the fev. "ho tion with your product. A gn:!at way minimi1ed Rcpetiti\e flexion and extension of tioncd treatment does not ha\e Its Stairmastcr and Nordic Track the tl<..lc of occupational in_1urics product and you care that they are take advantage of you wtll be to dn thiS IS by including a feed baLk Ustng the techntques shared the wrist may cause a thit.:kcning of plat.:e and purpose. machmt.:s arc .Ji\O a\ailablc for car­ prompted the good doctor to expand satisfied. The incrca!-.e in initial minu..,cule compared to the 1ncrca\e form wtth your product. ThiS can be here wtll send you well on your way the proteLtl\e sheaths surroundmg ''Chiropractic treatment h.ts diO\ ast.:ular cxcrci..,e. his office to accommodate a small sales and the decrea-e in returns wtll 1n initial ~ales and dccrea~cd a ':>Imp/c. "ilnglc-\Jded one-page \Ur­ to m1mminng product returns. Of each of the tendons. In turn, the al\\ays bel!n non ll1\asin~ and non­ D1: Tor ca11 he reached at gym to be utilized for supervtscd greatly outnumber the few who take rcturn"i. People are more satl"if'icd vcy prinh!<..l on nice paper stock. course, if your product is excellent. swollen tendons apply pressure on phannat.:ological m nature." \aid Dr. 909.69-1.6350. H1.1 office hours are 8 with thetr purchases when they get Ask questions such as where the returns shouldn't he much of a prob­ exercise and phySical rehabtlitatton. the medtan nerve, thus causing CTS Toy. "I think the medtcal community advantage of you. Offering a htgh­ a.m. to 7 p.m., lvfonda;.~ Wednesday Why? Because the Bureau of quality product with a lifetime guar­ great freebies, especially those they product falls tn relation to thetr lem. However, no matter what Any number of things may cause and the general public have become and Thursday. 8 tun. ru I p.m. Labor Statisttcs reports that disorders antee will normally get the fewest don't expect. expectations. whether they would you're selling, the fewer the returns. CTS. such as normal wear and tear. more aware of the benefits of chiro­ Tuesdavs. ami 8 a.m. to 5 p.m. on aisociated with repeated trauma returns. Note the use of the word "great" recommend the product to a friend. the more your profits are maxi­ bone dislocation and fracture, nuid practic treatment for occupational Fridavs. Delivering more value than in the last sentence. The type of whether the price paid was worth it, mtled. account for about 60 percent of all retention, or pressure on the median InJUries. I kno" they have wtth PAGE 10 • INLAND EMPIRE BUSINESS JOURNAL MARCH2002 MARCH 2002 INLAND EMPIRE BUSINESS JOURNAL • PAGE II COIVIPUTER.S/SOFTWARE Consolidating California's Energy Bureaucracy continued from page I Screen Savers in the 21st Century gy department would be appointed resource production. Conservation Financing Authority servat10n effol1s, have dramatically by the governor and confirmed by the To the extent that it is a necessary and Electnclly OverSight Board reduced the threat of blackouLs and by J. Allen Leinberger generation). to watch the screen saver as if it was ·the game and computer screens were Cahfom1a State Senate. The depart­ state function, the energy department would be folded 1nto the new depart- pnce sp1kes. One of the very first topics that I Ironically, by this time screen a feature presentation. Some even sprouting all sorts of new images. ment would stand as one single would oversee any elcctnc markets ment or eliminated Consumers, both residenttal and addressed in this column several technology was such that the original passed up their computer solitaire Mountain and river views. Cats and authontat1ve body, responsible for operating tn the state, mcludmg long­ A select subcommittee should be commercial, will benefit if we stop years ago was the then growing purpose of the screen saver was games, which we all know is the real dogs, Ansel Adams photos and development of cohl!rent, consistent and short-term contracts managed hy appomted by the legtslature to hear duphcatmg our efforts by operaung development of the screen saver. The mute. Newer operating systems with purpose of the desk top. It is also true planes of World War II. energy policy. accountable directly to the Department of Water Resources. public testimony, study alternauves separate agenc1es, wh1ch are not in original concept was simple. Provide better color screens would have to sit that the new graphics, the new ani­ Budweiser put out a collection of the governor and subject to the poli­ And, it would develop and champ1on to the current structure, and develop a sync with one another, or the energy a small progriun of moving light that there for months before an image mation and the new audio took up a its cowboy art. Boeing generated a cy and budgetary oversight of the energy efficiency and co~t-effective reorganitat1on plan for con:-.ideratiun demand~ of our state. The current will prevent the image from "burn­ would bum into them. But by this lot more hard drive space, but who series of their aircraft. A program Legislature renewable energy sources. Including by the governor and Legislature structure 1sn't workmg, and if we ing" into the phosphors on the time, the screen saver had developed cared? called Holiday Lights, which deco­ The department would perform programs operated hy utilities The restructuring of go\ ern men­ encounter another hot summer or screen. One early example was the other uses. Apparently After Dark had rates your desktop, added a screen 011 st of tht= ex 1st ng encrr y regulato Umler the California Business tal erltitic'i .md the combining of cold Winter. v.e could f.1ce '110re white line of fireworks that burst First and foremost were nosy co­ begun to care. They had begun to hit saver program dedicated just to holi­ n O\erstght ~:md m.Jnl.IOJ, funct1nns. Roundtahle tnd Ch.1mher of numer ,us boards and Jgenc tC"i pre blems ht!c JU e our rcJ!ulawrv slowly in the sky on the monitor. workers. Especially in competitive major success with their new game days. Radio stations such as the e mmat nr nanv of the f mct1ons CommerLe·s propos.il. the ~.-u·re1t would 1llov. •or J ht:l e1 and 1110r.! mfrJstructure 1s not c~>ordi""atcd Like everything else m comput­ sales departments, it became neces­ series, "You Don' t Know Jack." Inland Empire's K-Frog put out ani­ tlli.lt ar .... UuphL.lll\ c In .addition to agencies t~nd the, f Jnct1ons V¥ould cohes1vc respnn~c to nrnhlems 01 Con:-.chdafu'g Ca1 n1a s enc ers, screen savers did not stay simple sary to protect you proposals from Jack developed several packages mated screen savers tied to contests. prL'VIdinp Caltforn ,1' s consumers either be eliminatet.l ur Jn~:orpordtl!d rotential problem-. Ill the future. gy burcaucr.tf..:y 11110 one c:tcpartment for long. Very soon, the legendary prying eyes in the next cubicle when including sports, TV and movies. An But the big thing has been the w th a~.:curatc energy forc~.:asts and into thc new Department of Energy and help h~ ensure an adequate ~ne would establish acco ntabihty, Flying Toasters burst onto the screen, you run down the hall for coffee. Austin Powers edition came out and Internet. Space photos from the adequate supply, the department rhe Energy Resources Conservation gy supply for C ,liifornia's cc.n enhance efliciency, and help us rc'lch and with them a small company Then too. the programs them­ Jack eventually generated a televi­ Hubbell are available to download as \\.·ould encourage pnvate mvestment and Development Commission and sumers, stable energy our goal of stable energy supplies named Berkeley, near San Francisco, selves were becoming very entertain­ sion show that starred Pee Wee either a desktop photo or a screen m new gcncratJnn or transm1ss1on the Energy Diviston of the Publtc As new generation facilities are and prices. of course, became the dominant com­ ing: M1ckey Mouse enchanting the Hermann. Berkeley had enough. saver. Almost every new movie has facilities It would also manage pro· Uulitics Commission would become coming online, supplies have stahi Bill Hauck is prnidelll of the pany in the industry with their After broom in a remake of the "Sorcerer's , They sold the goods to Sierra, up in its previews produced as a screen grams that encourage and regulate part of the Depanment of Energy. lized along with costs. These new California BtHiness Roundtllble. Dark package. Apprentice:· Jean-Luc Picard being the Pacific Northwest, and saver. And now both MAC OS X and oil, natural gas, and gcothennal while the Consumer Power and facilities. combined with strong con Allan Zaremhl'rM is pres idem of the After Dark exploded almost assimilated by the Borg. Elmer Fudd announced that with the development Windows XP come with their own immediately. Its own creations, like hunting down Bugs Bunny. The clas­ of Mac OS 9, they were getting out built- in saver machines. Chamber Hails House Passage of Stimulus Bill Bad Dog and the toasters, were big sic toasters began to fly to a calypso of the screen saver business. There As with many computer pro­ enough, but soon other famous beat. Music and sound, in fact, would be no more patches or updates grams and ideas, the originators and images began to appear in the fran­ became more and more a part of the to keep the programs functional with pioneers have stepped aside. The Urges Senate to Follow Suit chise. Disney®. Loony Tunes, The show. the new operating systems. ''Big Guys" are adapting and includ­ The l nited States Chamher of ure~ for largt! and small hU\Inesses," extends vital progran th;tt include House approach balance~ a need to Simpsons and at least two different And what a show it was! Some Actually the timing was just ing their own variations, but the Commerce President anJ CEO :-.o.ud Donohut!. ''The Senate needs to Welfare to Work. the Work stimulate consumption in tht~ .... hort "Star Trek" flavors (original and next people would actually gather around about right. Others were getting into attraction remains ... Thomas Donohue today haikd the follov.. suit to bol tcr et·ononllc Opportunity Tax Credit and the run. while encouragmg mcreased Hou~o,e passage of an economi<: stim­ reco .. cry. Archer Mcthcal Sa\ mgs Accounts business investment and productivl ulus package as Instrumental to The House plan. the Job for two year .... and '-'Xtcnd" excep­ ty growth in th e long run.' boosting the l .S economy. The bill Creation and \\'orkl!r -\ssistam:e Act tions for active lmancmg tncome The U.S. Chamber of Commerce Century Publishing Wins National Awards passed the full House by an over­ of 2002, provides fo r a reduction of under subpart F for the year\. is the world\ largest business feder­ ation. representing more than three Century Publishing, a local pub­ In addition, the Santa Fe Springs has won national honors for its Juan Capistrano, Santa Barbara, whelming 41 7 3 vote. taxes on bm.inesses. such as the "We need to make sure that the million busines'>es and organitations lisher of many local California Chamber won a second honor for directories. The firm's directories Santa Rosa, Yuma and Victorville .. We are grateful that the House accelerallon of depreciation and U.S. economy gains momentum up a of every size. sector and reg10n. Chambers of Commerce directories bemg the "most 1mproved publica­ received the Award of Excellence in Chambers, to name some of the continues to push for tax relief meas- mcreased expenstng. The bill also growth curve," Donohoe "aid ...Th e and maps, has won top honors in the tion" over the chamber's previous 1999 and the Award of Merit in chambers. Century has offices in American Chamber of Commerce publication. This honor was the 2000. Both honors were the highest Los Angeles/Orange County and San Executives (ACCE) annual competi­ highest ACCE award and will be national awards presented by the Diego County. The firm also has Enron Debacle tion. Century's California publica­ presented to only two chambers in ACCE in those years. entered the Arizona and North ar~ -Wake Up Call for Retirees- tions were judged some of the best the nation for 200 I. Both the One of the larger publishers of Carolina chamber markets. directories in the nat1on for 200 I Carlsbad and the Santa Fe Springs chamber directories and maps in Carlson has a background in "The calamity which happened emotional lie to Ins employer of 30 with three separate publication directories won the ACCE Award of Californ1a, Century has worked with journalism, working for daily news­ BARTER EXCHANGE to employees with Enron stock in years had him convmced that IBM awards Merit. more than 75 chambers throughout papers. She won the Associated Additional Business through Bartering • (The Personal Touch) thetr 40 I k has been gnmg on for stock could never stay down (it has Three ACCE awards will be pre­ The judges called the Santa Fe the state. Century has published its Press (AP) first place news writing years. The press just never wrote never recovered)," recounts Steve. sented to Century at ceremonies in Springs book "Truly beautiful, uti­ books and maps for more than 20 award for feature writing in three Attention Business Owners! ® about it," says A Steve Kambourian. Ever s1nce then, I have seen ret1rees early March. Natalie Carlson, chief lizing the (community) art work cap­ chambers in Los Angeles County, consecutive years, before starting How would you like more CASH in your pockets? CSA (CerllfJed Senior Advisor), with concentrations of stock in their executive officer at Century, will tures the essence of Santa Fe approximately 15 chambers in her publishing company. Prestdent of ASK Fmanc1al. "Early po11folios and 401ks and every time attend the annual ACCE Springs." and " Cover is exceptional Orange County and a dozen or more Explaining her company's phi­ • Om 150 Barter \lemhers • Barter the needs fur )nur lmsiness 10 my career, I met a client with I advise them to reduce the position Management Symposium in and is a wonderful artistic device in the San Francisco Bay area, losophy, Carlson says, "Century is • Pmn n al •l. e~a l•l. andscap i n~ • \ledical• Corpnrale ~il h • \ dmti si n~ much of his net worth in :-.tocJ.. of h1~ to under 10 percent of their holdings. throughout." according to Carlson. • Photograph) • \utu h penws • Catering • T\ \/appliann· 1-.lc ... Orlando, Florida, to receive the !mown for creating quality custom ex-employer- IBM . He had seen I thmk only two people have ever Competing in a field of 286 awards. Winning the best directory In business for 16 years, Century designed directories and maps, along \ o11 doe~n't that •o11nd GRT:H .' I\ TJ:R I. \U'IJ '' the stock drop form $400 to $50 and followed the adv1ce. The wealth honors for 200 I are the Carlsbad entries from across the nation, has also created annual publications with caring customer service and t909 i 88J-6131 & 6132 IF\\ 191191 K81-ti l33 held on the whole way down When sanng advice that financial planners Chamber of Commerce Business judges looked for innovative design, across the state for Beverly Hills, El generous royalties." She adds, "We I questiOned h1m to understand the provide is no match for the Refenal Directory and the Santa Fe lhe chamber's conceptual planning Centro, Glendale, Long Beach, Palm listen to their vision and do the work 15 YEARS IN BUSINESS logic of this destructiVe strategy. I investor's addiction to makmg finan­ GOOD NEWS FROM THE FRONT ... WE ARE NOW Springs Chamber of Commerce and and the promotional efforts, accord­ Springs, Menlo Park, Oxnard, to making publishing a pleasure for realized there was no logic at all in cial decisions w1th thetr emotiOns. SERVING THE HIGH DESERT. CALL OUR NEW OFFICE lnduslrial League, Inc. Business ing to the critiques from the judges. Palmdale, Rancho Bernardo, the chamber." his discus"on. His wealth destroying Retirees must keep these truths This is not the first time Century Redding, Riverside, Roseville, San (760) 952-3336 ASK FOR KEN OR TONY. Directory. cominued 011 p<1ge 22 MARCH 2002 INLAND EMPIRE BUSINESS JOURNAL • PAGE 13 PAGE 12 • INLAND EMPIRE BUSINESS JOURNAL MARCH2002 1'\IIANAGING CAN DEBT KILL YOU? Securities Arbitation: Was Your Broker Responsible for Losses? bv David E. Robbins One of the umque concepts of always keep you mformed about ship exi>ted between you and your by Margaret Miller JD, debt man­ your credit report; review it with may see the balance you owe hardly It's difficult to get a decent The mvestors' lament about the SCCUflliCS industry IS that it IS the performance of your mvest­ broker, in ~Nhich he or she was agement consultant you: and then suggest several move, even though you continue to interest rate when you're overex­ stockbrokers is similar to the not a shopping mall. where "buyer ments. given written or defacto discre­ options- from repayment plans, to make your monthly payments. tended, but keep in mind there are melancholy grieving of parents beware" is the watchword. Rules of An Investor's Obligation - Oo tionary trading authority. In thiS This may sound peculiar but debt consolidation loans, and even lf you are a homeowner who lots of options out there, with the about their neglectful children: the New York Stock Exchange and you Trust Your Broker Too case, the broker has the responsi­ it's true. Debt can kill! It can kill bankruptcy if necessary. carries the burden of a high interest many new loan programs that have "They never call. They never of the National Association of Much? bility to manage the account in a self-confidence, self esteem and As a debt management coun­ credit card debt. there is a way out hit the market. write." After the stock market saw Securities Dealers require brokers The issue of a customer's manner directly comportmg wllh even a marriage. Debt can create selor, I see first-hand what the of paying that compounding interest Third, one of the biggest rea­ new heights in the ·9os through the and firms to have a reasonable reliance on the representations and your needs and objectiVes. He is stress which can lead to poor health. effects of credit card debt can do to charged by most credit card compa­ sons why you may not have quali­ beginning of the new n\illennium. basis for their investment recom­ omissions of the broker is the cen­ required to keep mformed regard­ Take one Inland Empire couple a person and his or her family. I've nies. Its called a secured debt con­ fied on previous loans is that the the savings of millions of investors mendatiOns to the1r customers. terpiece of most cases. Quite often, mg the changes m the market - he blamed her because every also seen what bankruptcy can do, solidation loan. You don't get rid of total monthly payments of all your were decimated. When the prices The New York Stock arbllrators ascribe such a high which affect your 1111erest and act time she walked out of a store she and it can be much worse when the debt, however, it is a much bet­ bills have been too high. of an average mvestor's holdings Exchange's "Know Your Customer degree of financ1al sophiStication responsively to protect those inter­ had purchased something, usually other options were available, but ter debt to have because you can see Restructuring the terms of your were •n free-fall, Significantly Rule" [Rule 405] requires firms to customers that it makes the issue ests, and likewise muM keep you something for the kids or the house. ignored. the light at the end of the tunnel loans can correct that, and a debt absent from the telephone were and brokers to use due diligence to of reliance a moot one. The cus­ informed as to each completed She blamed him because of the large If you surrender to this high once you start amortizing that debt. management consultant can help th~ir brokers, who had no clue learn the essential fact~ relative to tomer's attorney has to be able to trade. Finally, a broker must always purchases he would make. The interest debt, the alternative could Amortizmg means you only pay you best determine what is right for about what to recommend, what to every customer, every order, every convince the arbitrators that It was explam forthrightly the practical fighting was unbearable! very likely be bankruptcy - not an interest on the remaining declining you. do next, what to do at all. cash and margin account accepted reasonable for the customer to rely impact and potenual risks of the "My husband and I work very option you would want to consider balance, as opposed to compound­ Although bankruptcy may very If an investor's loss 1S primari­ or canied by the firm. For example, on the representations or omis­ course of dealing m which he is hard, we deserve to treat ourselves if you don't have to. While bank­ ing interest (paying interest on top well be the only alternative for some ly due to the negligent, reckless or did your broker recommend an sions, which directly resulted in the engaged. and our family well. Shopping was ruptcy will release you of some or of interest). Also, you can tum all people, don't surrender if you can intentional misconduct of his bro­ over-concentration of your portfo­ loss. What standards do arbitrators Can Your Brokerage Firm be once a relaxing pastime for us. Now all of your unsecured debt, it also that credit card interest you're now still work it out. There is probably a ker or brokerage firm, there is an lio in high-nying technology or apply on the issue of reliance? Held Liable for the Actions of we're worrying if we will ever get means many long years of the worst paying into the same tax deductible debt consultant or loan officer out avenue of redress: securities arbi­ telecommunications stocks, on If brought to court, arbitrators Your Broker? out of debt. Many times we would kind of hassles, heartache, and high­ interest you get from your mortgage there who can help you. You don't tratiOn. However, since nearly margin? Did she explam the added will look at a number of factors A broker's conduct must be blame each other and tell the other er mterest rates on future purchases. payment. The immediate savings want to go to the world of bankrupt­ everyone has been the victim of the risks of such a strategy? about you - the investor - and carefully scrutimzed by a branch to stop buying," the wife stated. Here are a few things you can do: from this aspect is tremendous. cy if you don't have to - ask any­ market's collapse -even the arbi­ Registered Professionals your relationship with your broker. manager and the firm's compliance "We realized that we had a seri­ First, limit or terminate future Here's a simplified example one who has been there! trators who decide your fate and Passing the Test First, they will judge your sophisu­ department to protect the customer ous problem when the credit card purchases using credit. This will (actual figures will vary). Let's say Margaret Miller. JD Debt the attorneys who may represent Brokers are required to pass the cation and expertise in financial and firm from the broker. A firm's bills came in. We would hide them become easier if you look at the you have $20.000 in unsecured debt Management Consultant for Accu­ you - it is critical to understand Test Series 7 - General Securities and securities matters. Secondly, system must have written proce­ from each other, and only pay the price of an item and multiply that at an average interest rate of I 8 per­ rate Lenders, graduated from whether you stand a fighting Registered Representation they will look for evidence of a dures and an appropriately regis­ minimums each month. Because we price by four (this IS the real cost of cent. This means you pay credit card California Southern Law School; is chance of winning. For the central Examination -a central portion of long-standing business or personal tered supervisory principal were paying only the mimmums, the an item bought over time using companies about $3,600 in interest a real estate finance educator at issue in customer-broker combat is which provides standards by which relationship between you and your If it was reasonable for you to balances were growing larger," her credit)! every year. Sadly, you'll never see Riverside Community College and not necessarily how much you lost: to judge a broker's conduct. Ask broker. They will consider your rely on the representation~ of your husband added. Second, when paying your that money again. San Bernardino Valley College; an 11 is: How d1d you lose it? yourself this: Did my broker do access to relevant information, and broker or if he took it upon himself Was it time for a marriage coun­ monthly credit cards, pay more than If you convert that same author, and a nationally known real This a11icle presents the stan­ two things? I. Provide me with look for signs of concealment of to monitor the trading activity in selor or a debt management coun­ the minimum payment to avoid pay­ $20,000 of debt into a debt consoli­ estate finance speaker and licensed dards by which arbitrators judge information on investments and fraud by your broker. Arbitrators your account, and he e11her misrep­ selor? ing compounding interest. dation loan secured by your home at real estate broker since 1979. the conduct of brokers and fmns. make suitable recommendatiOns? A examine the generality or specifici­ resented material facts or failed to A marriage counselor costs Compounding interest means you 13 percent, you'll pay about $1,000 Questions can be addressed to and the extent to which you ful­ broker should always describe the ty of the misrepresentauon. Finally. offer suggestions to manage risk, about $65 per hour and debt man­ are paying interest on top of any less in interest every year. Plus, you her at: Margaret Miller. 164 W filled your own obligations as an characteristics. risks and rewards they look for an existence of a fidu­ contact your local bar association agement counselors will meet with unpaid interest from the previous can apply that $2,600 you will pay Hospitality Lane, Suite #8, San investor to determme 1f you have a of recommended securiues. and ciary duty owed by the broker to and ask for a referral to an attorney you for around $25 to $50. A debt month, which ultimately adds to the in interest toward reducing your tax Bernardino, CA 92408 or call (909) ensure that the customer is provid­ you. who specializes 10 this area of the management counselor will run principal balance. That's why you liability. 888-2220 Ext. 216. case. Full Disclosure - What You ed with all pertinent mformation Trade Executions - Who Made law. You may have a good chance Don't Know Can Hurt You describing the mvestment. And 2. the Ultimate Investment of recovery. The mandate of securities law Monitor my portfolio and make Decisions? David E. Robbins is a partner at is full and accurate disclosure of recommendations consistent with Another issue that arises in Kaufmann, Feiner. Yamin, Gildin & Robbins LLP in New York Citv. Eli Lilly and Company Launches Drug Card material information. A cu~;tomer changes in economic and financial most customer - broker disputes must be told material information conditions, as well as my needs and is the answer to the question of Robbins has written and edited 'LiUyAnswers' Card offers $I 2 fee for a 30-day supply of any ication. Enrollment about the investment or strategy objectives? who ultimately made the invest­ most of the legal texts on securities Medicare recipients prescriptions retail-distributed Lilly products. The Eligibility Criteria: • Free for eligible applicants: and must be able to appreciate the A good broker routinely ment decision for the transactions arbitration and mediation. A for­ for a nat $12 fee- Some could see program provides an immediate ben­ • U.S. citizens~ • Enrollment applications avail risks inherent in the recommenda­ reviews accounts to en~ure that in question. If you are the decision­ mer special deputy attorne)' gener­ savings of $600 per medication efit to the neediest segment of • Medicare-enrolled seniors and able (began on March 5}: 1- tion, before investing. If the cus­ mvestments continue to be suit­ maker and you are deemed a capa­ al of New York State, former direc­ annually. Medicare beneficiaries, as Congress people with disabilities: 877-RX-LILLY: tomer is not told the material infor­ able. 10 light of changing cond•• ble mvestor who made an informed tor of compliance and dirn·tor of Eli Lilly and Company is launch­ and the White House work to achieve • No other prescription drug • ApplicatiOn process takes two to mation - whether mtentionally, uons. She should suggest which decision, then arbitrators will like­ the legal department of the ing its LilyAnswers Card, a patient a Medicare prescnption drug benefit. coverage; four weeks; negligently- or recklessly - the secunties to acquire. liquidate. ly conclude that you accepted the Amencan Stock Exchange, he rep­ assistance program for low-income Program Highlights: • Individual annual income below • Eligibility verified through copies broker can be liable and the firm hold or hedge. Your broker should risk of loss and should not recover. resents customers H"ho ha\'e .wf­ Medicare enrollees who do not have A flat$ I 2 fee for a 30-day supply $I 8,000 or household of most recent tax return and secondarily liable. make sure that you understand how If trades resultmg in loss are fered financial Iones due to the prescription drug coverage. of any Lilly retail distributed drug: income below $24.000: Medicare card: The Suitability Rules - How news about an issuer's financial the result of your broker's deci­ misconduct of thetr stock brokers. Tbe LilyAnswers program will Lilly medicauons (for osteoporosis. • Individuals may participate 1n • Individuals must apply for elig1bih· Well Does Your Broker Know outlook may affect the perform­ sions, the arbitrators 'A< ill determ~ne He is also tm arbitrator and medi­ allow seniors and people with dis­ diabetes, depression, schizophrenia). LillyCares or LillyAnswers - not ty annually. You? ance of that issuer's securities, and whether or not a fiducl3ry relauon- ator. abilities under Medicare to pay a flat Potential savings of $600 per mcd- h .... tJ., MARC H2002 INLAND EMPIRE BUSINESS JOURNAL • PAGE 15 PAGE 14 • INLA D EMPIRE BUSINESS JOURNAL MARCH'2002 E:IV'IPLOYERS GROUP GETTING ORGANIZED Organizational Quicktips Final Workers' Comp Plan Too Costly for Employers A workers· compensation pro­ to 45th after the mcreases 111 the b1ll urns. The bill also elimmates - after couple of days before the event. by Marla Benson Bring your "'to be read" file with nights, etc. posal containing a s1gnificant dis­ are enacted The chamber believes AB 749 Jan. I, 2003, the presumptiOn that • Interview other successful • Apply all of the organizing W ha t a waste! No wonder you everywhere you go in case you panty between costs and alleged Dunng the debate, opponents of does not close the gap between cosh the treaung physician is correct for organizers. Find out what tech­ techniques learned here to your we're so frust rated. II really adds are the one kept waiting. savmgs and opposed by the the b1ll pomted out that California and savmgs, nor does it alleviate the both evaluating disabilities and nec­ mques they use and adapt them to home. Closets, kitchen, linen cabi­ up. Here's an eye-opening statis­ • Keep frequently used office Califorma Chamber of Commerce, employers also pay among the high­ possibility of substantial premium essary treatment - a presumptiOn nets. And teach your kids! tic: supphes close at hand, especwlly your needs. AB 749 was negotiated by the gov­ est workers' compensation premi­ increases for employers. that had encouraged doctor shop­ • When leaving a voice-mail If you travel frequently, keep a Spending just 10 mmutes a day those needed to create new files. ernor, Democratic legislation and ums in the nation and that some­ The increased benefitS are defi­ ping by applicants and their attor­ toilet anicle bag pre-packed and searching for misplaced 1tems adds • Keep these three words in message, always leave your phone labor. It will increa;e costs to the thing is very wrong with a system nite, unchanging and permanent, neys. ready to go. up to a wasted and frustrating 60 mind: ··usage Determines Storage." number at the beginning of themes­ workers' compensation system by that costs so much but gives so little whereas savings are speculative, The chamber believes that these sage, as well as at the end of the ot enough can be sa.d about hours a year! And 10 minutes a day How you use thmgs determmes $3.5 bi llion, without making mean­ to in ured workers. uncenain and fluctuati ng. changes are necessary steps in the coming into the offi ce 30 minutes is relatively low for many people ­ where you should store them. Cruise message. If the person doesn' t catch ingful structural or systemic The chamber has always sup­ Employers cannot rely on a set sav­ right direction, but the bill fa lls your phone number at the beglll­ early or staying 30 mmutes late for you do the math. I don' t know about the aiSles of the office supply stores changes that would offset costs to ported the increase in benefits For ings amount fro m year to year. shon of what's needed to reform a uninterrupted planning, reading and you, but I can think of a lot of other to stay abreast of the latest tools. ning, he or she won't have to go employers. inj ured workers, panicularly those Much of the language th at is all eged system for whi ch Cali fo rnia just plaw wo rk time. ways that I'd rather spend 60 hours My philosophy is that the solution to back through the entire message to AB 749 passed the Senate by a with serious and permanent injuries. to produce savings is watered down employers pay among the highest • Reward yourself during an a year. your organizing problems is proba­ hear iL Also, never assume the per­ vote of 23-14. Following a cursory The chamber also has insisted, how­ to the point or diminishing returns. premiums in th e nati on, yet workers unpleasant task . Pl ay upbeat music, So, here are some quick tips to bly Sitting there on a shelf at the son has your phone number with heanng by the Assembly Insurance ever, that the disparity between Some Cost Controls receive amone the lowest benefits. them or that it's eas1l y accessible. have a special cup of coffee or tea getting organized - some 1deas that office superstore. Comm1ttee, the Assembly approved costs and savings be reduced signif· In an apparent attempt to attack Although AB 749 includes pro­ Decide how you will further reward you can utilize RIGHT NOW and • Delegate whenever possible. • Don ' t file envelopes. the bill on a vote of 29. Max1mum icantly. Skyrocketing Costs the high cost of unnecessary med­ visions for a program to reimburse yourself when the task is complete. will take very little effon. You ' ll be Do I really need to explain this one? • Learn the shoncuts of your weekly benefits will increase from Workers' compensation insur­ ical use. the bill makes it easier to employers for returning employees Give yourself the incentive to get amazed how adding one new organi­ • Create a central place at home computer software. Take a course, $490 to $602 in 2003 and to $840 111 ance premiums have climbed 77 use a health care organization to work, the program is subject to the job done. zational tip per week to your routine for schoolbooks, homework, library get a book, video or CD. Thmk of 2006. Stanmg in 2007, the benefit percent 111 the last three years. The (HCO). It reduces from two to one the legiSlature appropriating the • Place motivational or insptra­ wi II help you become more efficient books, etc. so you don' t have to the time wasted doing computer hikes are ued to mcreases 111 the Workers' Compensation Insurance the number of HCOs an employer funds and would begin no earlier and far less frustrated. search the house daily. In a two­ tasks the inefficient, long way. tional quotes around your work­ sta.te's average weekly wage. Rating Bureau estimates that total must offer ami expands employer than 2004. • Turn off the TV for 30 minutes story house, have a spot on each • Select one place for keys, space or on your computer's screen System Still Broken system costs for workers' compen­ control of treatment from 30 days to Thus. any savmgs are too spec­ each day to catch up on phone calls level for items that need to be car­ receipts and money in your brief­ saver to help you overcome your Proponents of the bdl clmm that sation without the benefit increases 180 days 1f the employer provides ulative and too far off to cushion the and tasks that have gone undone. ried up or down. Never a wasted case or purse. No more searching. most difficult issues and re main California is 4SO out of 50 states in in AB 749 will exceed $15 billion health insurance (90 days if not). 1m pact of the higher premiums that What does 30 minutes give you? An trip. • Keep only the business cards upbeat. the amount of benefits that injured by 2003. T his change puts the HCO in a will be needed to pay for the benefit additional 183 hours per year. Is • Leave remmder messages on that you thmk you will use or fol­ Again, add one new organiza­ workers receive. They acknowl­ Increased medical and pharma­ gatekeeper role to control unneces­ mcreases. tional tip per week to your routme. watching that re-rua. again really your own voice-maiVanswering low-up on . There's no law agamst edged Ill the Assembly noor debate ceutical costs contributed to driving sary medical utilization and reduce Reprimedfrom ALERT, a California important? machme. throwing away a bus111ess card Make a note on your calendar and on AB 749 that California w1ll move up workers' compensati on premi- doctor shopping by attorneys. Chamber of Commerce Publication. • Create only one "to-do" list • Use the phone mstead of writ­ Use binders for items that are "to-do" hsts, and little by little, you per day. More hsts do NOT make ing out replies. updated frequently or for reasons of too will be the envy of all of the '\t'"\1 month I'll introduct' ,1 ltnH:h menu, you more organized. They only • Eliminate negative self-talk. ponability. It 's easier to grab a pack rats and organizationally serve to confuse you. The more you spy you hate filing, binder to carry to a meeting than to impaired people around you. gt•t the nc'' C'>pre'>'>O rn.u.:hinc,thl'l1 \\,!ldllll~ • Likewise, keep only one phone the more you will hate filing. The carry a file folder. Marla Benson has conducted ~.. ff.,uflt•rthroughthc allergy season. list. Duplication can be confusing more you say that you are disorgan­ • Strengthen you memory skills. more than 700 keynotes and semi­ and mefficient. ized, the more disorganized you will Read a book or listen to memory nars in 48 states and Canllda and • Prepare for any proJect the be. tapes has authored "Shoncuts to Creating afternoon/evening before. Set out • Cancel any subscriptions that • If you are right-handed, place & Maintaining Organized Files & all of the tools and supplies so when you don't have time to read. the phone on the left side. If you are Records." To order her book or you arrive in the morning, you are Carry postcards, stationery and left-handed, reverse. offer future topic suggestions, co11 · ready to go. blank greeting cards with you so • Place event or airline tickers wet her at • Plan travel time realistically­ you can quickly write a note while into your tickler system (called a DeC/utter_ [email protected]. Don't keep others waiting. kept waning for appomtments, Future File). Put them 1nto a date a

Take care of your team CAll ME TODAY

Complaints ... Praise! Suggestions? E-Mail us @ \\ lh'tl 1 n11r ..·mplmt'l'' .,ufkr .111 lllle\)l!.:t.lt'd illnt'"" or injurv, 11 on r.:o .. t Austin, Cooper & Price Agencfur Mo•• ''Ill \tlllt' .111d mnlll'V. Tht·v .11'><1 omnt on Hllttn .trr.lllgt• ~nod lw.dth urc ..__.,._ H!.t I h.tt\ wlw Hlut' Sh1dd 11! ( .tliforni.t with mer Ml IC.Ir.,ol 2 t 3 1 Ilks D r./P.O. Bo\ 3280 .. 'l't ltll~t' 111 hdpm~ hu,lnt•,,... , til...: 1our.. , h.t .. m.hk u f,,.,, to 1.1kr r.:.~rt' 11r San Be rnardino, CA 9241 3-3280 I PUr lt.llll \\'tth l\h1e Sl11l'ld' Small Group An:c<;"+ liMO Pl.1n E, tht'rl·\ .1 Hri,ullk.m, Cl L, Ch ~ ( (909) 886-9861 iebj@ busjournal.com "ldt r.m~c tlf hcn~,.·tlt ... tt1<..h1di11~: • l'tt'<.llplilltl'> ttJkd .11 pMIIllJ'·lllllg p\urlll.ltll'' .11 .tftord.lhk UlJMYllh.'lll' [)ougSmilh, \like H.cnt,1 · \ .. hcdukd Rnutillt' I'Jw,it..tll \,mt .. , indudin~ \\"dl 1\,tlw, \\'t'll-Child AN AUTHORIZED AGENT FOR Thank you! .111d .1dult hJnh l~ lu e Sh.ield ' of ~a lifo rni a Inland Empire Business Journal • .\11 11\llll.tl roll! lilt' \\dl \\'om.m F'\,ll\1 • I'• ~ll.llltl .Uld \l.HniHII l.Ht The source for the business world of the Inland Empire • illltr~tlll\ ro

continued from pagt I attract!\ el) Je..,igned. qua lit) for­ hnu..,mc in I .1 QunH.l. 10 tht! ne;.He .1 full) mtcgrated resident1a\ Th~ rcm.ll home.., \\ t I be '

2002 Pfizer Flo-Jo Memorial Half-Marathon & SK Adds New Event Inspired by 9/11 Police, Fire & 1\lilitar) Personnel honor tho'e ded1cated to publ!c Arbuckle. Ph.D .. chiel e'ecutJ\·e Challenge," call (949) 452· 3466; Sought to Compete in " Team serv1ce. The top three teams 111 each off1cer of Saddleback J\.lemonal (760) 434· 7706 or \'l"t America Challenge" din.,IOn (r1re. law enforcement and Med1cal Center. http:l/ww\\.llO.JOrun.ocno\1. .com. l n;p~red by the hero1c act> of military) v. ill rece1ve ;1\\-ard\. "The e\·ellt' of September II Event spon\or..., 1nclude Pli;er rescue Y.Orkers dunng the aftermath Team America Challenge is one will fore\ cr rem11H.l us of the C\ ery­ Inc .. Lei..,ure World/1 .aguna Womt<... ol the September II tragedy, organ­ of \C\'eral tHhletic e\'ents that are daJ heroes \~ho n..,J... the1r liH'\ sen­ Wa,hington Mutual. Cit) of Laguna ize" or the 2002 Pfizer Flo-Jo pan of the Ptiter Flo-Jn t-.lemorial mg in our 0\\ n community." stud Hdb, OC Fw111/r Mag"~'""· OC Memorial Half-Marathon & 5K at Half- Marathon and 5K and geared Arbuckle "The 'Team Amenca Metro, OC 0\\.COm. Rad1o Disne). Call Mitch for Saddleback Memorial Medical (()\',ard people or e\'ery age group Challenge' i~ a perfect opportunll) Cox Cahle. KABC7. Center are adding a ncv.. e\·em and phy"cal abiilt). The tv.o-da) for u-, to recogni1e the\e men det.Jication to puhlic ..,erv­ Lynch Ambulance. Foothill Ranch. be1ng 'ought to compete m the expected to draw profe»ional and ICC •• South"e't A~rlme,, Henry'; "Team Amenca Challenge," a 5K amateur athlete-, from across the For more information about par­ Marketplace and Wild Oah Market. Mitch Huffman run that w1ll 'en-e a' a platform to United States. announced Barry ticipating 1n the "Team America

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REsERVATIONS day brunch, and dinner seven nights a week. Mayjs Leno: Chair of the Feminist Majority Foundation's Campaign to Stop Gender Apartheid in Afghanistan, and has been the United States' most outspoken critic of the Taliban's treatment of women. \\.ife of Ja)' Leno, she is currently a leader in the effort to make the restoration of women's rights a nonnegotiable element of a post-Taliban Afghanistan. cw Carrje Fjsher: Since her feature debut opposite \Varren Beatty in SHAMPOO in 1975, Carrie has been a compelling force OOUBLETREE in the film industry. She attained international recognition as Princess Leia, a role that made her a cultural icon. On the HOTEL- literary front, Carrie became a sensation >\ith her New York Times best selling, POSTCARDS FROM THE EDGE, and L JV>. Emun'Al N\ tENT O,.,TA~IO won the Los Angeles Pen A~ard for best first novel. Debbie Reynolds, Carries mother, was a kelnote speaker at the 2000 7 NIGH'IS A WEEK (909) 418-4808 Women & Business Expo. PAGE 18 • INLAND EMPIRE BUSINESS JOURNAL MARCH2002 MARCH2002 INLAND EMPIRE BUSINESS J OURNAL • PAGE 19 CORPORATE PROFILE John Magness Adapts His Pilot Skills The Aptly Named The Clever Group's Unique Creative and continued from page I worlds, comparing a business and whistles that are going on to Interstates 10, 210 and 215, as deploy purple smoke; then the leader to a pilot; his team to the around you, as the pilot, you must well as close proximity to an inter­ Cobras were able to identify their crew, ground suppon and supply, fly the aircraft first, then deal with modal rail facility, and commercial Team-Oriented Approach Makes It a Marketing Standout own and solve the problem of who and the aircraft's function as a the emergency." passenger service at Ontario was whom. 'business.' Also in the 1999 book, International Airport. b\· Georgine Ll.H'eland to make that lime-consuming experi­ reads, "At the forefront of technolo­ nies. Growth and productive changes One may not, at first, correlate Magness is now senior vice Magness explained seven secrets AllianceCalifornia also offers San Bernardmo's The Clever gy, prov1ding innovatiVe business are the keywords for any organiza­ ence a pleasant one. combat tactics with civilian busi­ president with Hillwood that are adaptable from a pilot's Foreign Trade Zone processing, Group LLC has been in existence for soluuons." II is not limited to just tion, and each one, small, medium or Its real estate eCD-card is ness procedures, but there are many Investments of Dallas, TX, a Ross perspective to that of a businessman security, seasonal distribution space a tad more than a year, and already large, has its own special needs and similarities. The ability to "think Perot Jr. company, that provides or woman: Pilot Vision; Situational and a first-class building program. requirements. the creative genius of the five high­ outside the box" is crucial for sur­ consulting and development servic­ Awareness; Power in Planning, Based on a proven formula that The Clever Group develops: ly-motivated and creative principals vival and success in any discipline. es around the world. Perot is quoted Soaring with Technology; has been successful for I 0 years at informational Web sites - personal has advanced thiS "consonmm of Magness has written a book, in his book: "The number one rule Communicating Your Vision; the AllianceTexas• near the Dallas/Fon home pages, fan Sites, online for the pilot 111 any aircraft emer­ ideas" on a fast-paced road to suc­ "Pilot Vision," detailing the leader­ Power of Flying, and Flying with Wonh International Airport, brochures and catalogs, e-commerce cess. ship qualities necessary in both gency is to fly the aircraft. Trust. Hillwood's flagship proJect, One of the mam reasons for this Web sites - for selling or marketmg Regardless of all the lights. bells All of the above elements are AllianceCalifomia is in position to early achievement in innovative merchandise online. setting the cus­ necessary for the development of attract suppliers and distributors in marketing approaches is the melding tomer's e-commerce site on a !)ecure the massive. visionary project titled many industries - such as air server. and merchants accounts­ of five personalitie~ who are com­ "The Winegrowers of the AllianceCalifomia, the new name cargo, defense and other anchor mitted to their company and respect accepting credit card payments from for Hillwood's 2,000-acre project in companies that will be arranged in and admire each other and the indi­ the customer·~ Web site. Cucamonga Valley" San Bernardino, anchored by the clusters around the airpon hub VIdual talents that combine to create Web site retrofit and remodeling San Bernardino International and/or possibly a rail hub. an exciting new company of Web is another specialty. repairing the Airpon. Initially, Kohl's will employ designers and developers. They, problem causing Web Sites to fall Galleano Winery In March, 2000, Hillwood took 300 associates at the new center and interestingly, met one another while shon: confusing Web pages, broken "an earnest look at closed [military] hopes to increase that number to attending the ITT Corporation's links, no updates, lack of secunty, Wine Tastin g D aily bases and the real estate market in 600 over the next five years. As school. static, boring Web pages and old the Inland Empire," Magness com­ more companies come on board, the "It's a nice team to work with," are~:~=~ti~i2f.~~~ technology. The staff will evaluate a Tours Every Sat. & Sun. mented. The company signed an employment picture in the Inland de Ins Santos, Serge Laraque, Eddie Quidangen, and Louis Rodrique~. commented Serge Laraque, who is Web site free of charge and offer an Private Labelin g exclusive agreement for negotia­ Empire will become even brighter. in charge of sales and marketing. "It designed for real estate professionals one industry or area of problem solv­ indepth analysis. Custom Baskets & M ail O rders Available tions at the former Norton Air Force Three thousand civilian and 4,000 is all done in-house, under one roof." to enable their prospectiVe buyers to ing. "Our company can streamline And, add to all of this custom base, thus securing time to study the military jobs were lost when Nonon Louis C. Rodiguez, a multi- media vinually "tour" homes in a 360 your bu~iness 's operations or mdi­ graphic deSign, and one has a vinual 4231 Wineville Rd., Mira Lorna, CA 91752 opponunity. In December, 2000, a Air Force Base closed. Magness's and Web programmmg whiz, readily degree format, takmg them from one vidual endeavors through computer supermarket of marketmg services. (909) 685-5376 pre Disposition and Development vision is to "at least replace the agreed. Both men noted that all room to another in a seamless, relax­ hardware and/or software innova­ Designs are tailored to the desires of (DDA) agreement was put in place, 7,000," and quite possibly, many members of the company are team ing walk-about of homes they might tions. Our miSSIOn is to provide the the customers- plain, fancy, or com­ an interim measure, allowing more as AllianceCalifornia devel­ players who leave their personal be interested in, but would not have best services and products that best plicated - produced for electronic Hillwood a year to complete the ops. sentiments elsewhere and concen­ the time to phySically visit. fit your technological needs." media and Web development. The necessary documents. An extension Magness described his compa­ trate on growing their business into a Therefore, clients save countless The team of ex pens is dedicated image created may then be trans­ was granted to March, 2002 and ny's mission statement: .. Our char­ successful company that uses many hours of precious time on their to developmg affordable custom ferred to business cards, brochures, both sides believes they will com­ ter is to bring jobs back to San different approaches and tangents to search and choose to visit in person software applications and special­ t-shins. and more. Animated graph­ plete the agreement on time. "It is Bernardino." he said. "We can do succeed in their highly competitive only the most desirable. With the ized point of sales software for small ics and banners are other mteresting like buymg LAX or a harbor," this." field. "We are firm disciples of logic added features of video, audio narra­ businesses. It j, just as interested in possibilities many businesses are Magness noted. "Everyone's mter­ As he wrote m "Pilot VisiOn," and reason," said Laraque. tive, still pictures. multi-media adapting in their approach to ests must be protected." However, he advises those interested in begin­ The remaining three members of sound effects and even music, all "Our company can increase sales, as is having their 2D the company's effons were reward­ ning or nunuring an established • Free Airport Shuttle • HBO/ESPN/CNN Just 2 miles from tire The Clever Group's founders are: included on this tiny eCD-card, real­ streamline your business logos reinvented into 3D. ed and Hill wood was selected as the venture to: • Deluxe Continental • Meeting Room Ontario Airport! Jorge Castro, programmer; Norman tors are able to vinually '"show" The group also builds custom master developer of the former base "Create a flight plan for busi­ operations or individual Breakfast • One King or Two 1655 E. Fourth de los Santos, Web programmer and more propenies, thus increasing endeavors through com­ computers for specific needs or • Local Phone Calls Queen Ontario, CA 91764 by the San Bernardino Airpon ness as if it were a flight plan for a graphic anist, and Eddie Quidangen, sales and saving themselves time as offers enhancements to an existing • Sparkling Outdoor • Non-Smoking Rooms Authority and the Inland Valley trip. As external forces act on you puter hardware and/or PooVJacuzzi Available CEO, programmer and Web design­ well as their customers. They are system. Custom networking pack­ 909-986-8898 Development Association. or your company, you need regular er. thereby freed to work more creative­ software innovations. Our ages, from small home offices that Because of identifying the course corrections to bring you Added to logic and reason are ly and even have more time to get mission is to provide the may need two PCs connected to use opportunities early on, companies back on track. As Emerson wrote imagination and courage to develop home by dinnenime for a change; best services and products the same printer, is yet another pos­ such as Kohl's, one of the fastest­ more than a century and a half ago: some unorthodox approaches. The even go to the it children's ball­ that fit your technological sibility, as is working with large cor­ growing retailers in the nation, 'the voyage of the best ship (and games, maybe ... a win-win situation porate offices with multiple worksta­ expressed interest and in December, aircraft) is a zig-zag line of a hun­ company has developed its own needs." style of "venical marketing," a spe­ for everybody. tions, printers and servers. 200 I, it bought 60 acres of the proj­ dred tacks."' cialized mche market that is The card is fully-loaded with 50 helping a small business to succeed, The Clever Group states: "No ect to construct Its regiOnal head­ Magness and his family live extremely adaptable to the real to 60 megabytes of information, because the members have JUSt been job is too small or too big for us." quaners and West Coast distribu- here now and have "a vested inter- estate industry. Since no one has accommodating as many as I 0 list­ there themselves and understand For more information. please con­ tion center. est in the Inland Empire. I moved much time in our fast-paced society, ings, and is even labeled with the very well what the dangers are, as tact The Clever Group at: AllianceCalifornia offers an out here. I'm committed," he not even to look for a new home, agent's piCture and name. well as the hazards and problems 909-890-154-1 or 1•isit \l'll'll'.theclev­ experienced workforce and locauon emphaSized. "There is a lot to do." The Clever Group has found a way The Clever Group's mantra faced by long-established compa- ergrou.p.com. as a transponation hub. \l.tith access MARCH2002 PAGE 20 • INLAND EMPIRE BUSINESS JOURNAL MARCH 2002 INLAND EMPIRE BUSINESS JOURNAL • PAGE 21 REAL ESTATE HEALTH CARE Orchard's Market to Open New Location in Temecula ------4JtljjtJKt1tJMZ-I------­ Southern California, with 140 prop­ Dallo and Company, dba adding extensive improvements to in Del Mar Plaza in San Diego erties and approximately 18.7 mil­ Orchard's Market, has signed a 20- their space. They are a first class County, and is excited about its New Insurance Plan Gives Consumers "First Advantage" lion square feet of office space. For year lease valued at approximately operator that will serve the commu­ debut in Temecula. the past two years the Environmental by David Anderson, president of the groups of 50 or more, is unlike tra­ urns more than covers the $I ,000 is approximately $475. When uti­ $6 million to become the anchor ten­ nity well," said Rick Puttkammer of Arden Realty, which purchased Protection Agency cited Arden as the Health Net Life Companies and sen­ ditional PPOs. It utilizes a "first deductible. lizing the "first dollar benefit" of ant in the Tower Plaza retail center in Burnham Retail Group, which nego­ Tower Plaza in 1998, has been look­ ior vice president of Health Net of dollar benefit" in which I 00 percent Health Net's First Advantage $500, it is possible that Health Net's tiated the lease on behalf of the cen­ ing for just the right anchor tenant to "Commercial Real Estate Owner of Temecula. California PPO and Indemnity of each member's yearly eligible members have two options when First Advantage members may have ter's owner and manager, Arden fill the space previously occupied by the Year" for its innovative energy The 118,536-square-foot center, Products medical expenses, up to a predeter­ choosing their doctors. Members a wide range of services covered at Realty, Inc., and Orchard's Market. Vons. ''This is a high caliber compa­ initiatives and for owning the most located at 1-15 and Rancho Health Net of California, one of mined ceiling, are paid before the can pay a discounted rate for their no out-of-pocket cost. And, The center was built in 1970 and has ny that will be a tremendous asset to energy efficient buildings in a single California Road, is currently leased the state's largest health plans, is member becomes responsible for care by using any of Health Net's because members pay the Health been renovated twice since then. the center and the Temecula region portfolio in the nation. to tenants including Michaels Arts & putting consumers in the driver's paying their yearly deductible. 49,000 contracted health care Net contracted rate, their health care Improvements to the market space overall," said Roxanne Parady, first In addition to Rick Puttkammer, Crafts, Armstrong Garden Center, seat. Health Net's First Advantage With traditional PPOs, members providers, or they may pay regular dollar goes even further! have been minor in the past. vice president, San Diego region of Doug Hogan, Bill Barnett and Chris Starbucks, and the Movie gives consumers the Oexibility, pay their deductibles before plan rates by visiting physicians outside Health Net is a leader in provid­ Orchard's Market, which fea­ Arden Realty. Campbell - all of Burnham Retail Experience 10-plex theater. choice and decision-making power coverage begins. Not after. the network. The choice is with the ing innovative, specialized insur­ tures fresh produce, meats and a Arden Realty, Inc. [NYSE:ARI] Group, a specialized industry group Orchard's Market is taking 40,000 to take charge of their health care For example, with the First member, and so is the power to con­ ance products, and the idea behind variety of health foods, is expanding is a self-administered and self-man­ within Burnham Real Estate square feet, leaving just 15,026 coverage, while preserving afford­ Advantage standard plan (plans trol how prudent they are with their Health Net's First Advantage is throughout Southern California. The aged real estate investment trust that Services, represented the lessee and square feet available. ability and ease of use. may vary depending upon each first $500. Although costs are diffi­ simple: it's a solution for con­ company just recently signed a lease is the largest office landlord in the lessor in the transaction. "Orchar~'s Market will be First Advantage offers employer's agreement with Health cult to estimate, it's surprising how sumers who want the freedom to Plaza de Las Brisas, a 34,697 SF ed by Paul Feiwell of Coldwell Californians a new avenue for Net), members' first $500 of med­ far $500 cam go. choose a plan with nexible benefits strip shopping center located on Bartker, Santa Monica ... The sale of health coverage. It's a preferred ical costs are fully covered. Then, One of the challenges that at a cost that remains affordable. Real Estate Notes Foothill Blvd. in Rancho the Mayberry Colony Apartments provider organization (PPO) prod­ after satisfying a $1,000 deductible, employees face when considering Health Net has plans suitable The commercial real estate broker­ complex sold for $3,500,000. Cucamonga. The property sold for was announced today by Kevin uct design that allows Californians members pay 20 percent for med­ whether to sign up for the First for individuals, businesses with a few as three employees, and anum­ age firm Wilson Johnson reports Kemal Ozkarahan of Sperry Van $4,200,000. The seller was repre­ Assef, regional manager for the to enjoy the selection and personal ical care that is obtained from with­ Advantage plan is estimating poten­ choice they want, while providing in Health Net's vast network of con­ tial medical expenses. In ber of plans that may be just right the sale of Americana Apartments Ness represented the owner and sented by Brad Umansky of Sperry continued on page 34 the savings that so many desire in California. the average doctor's for your organiZJJtion's and employ­ located at 82-597 Miles Avenue in buyer ... The commercial real estate Van Ness. The buyer was represent- tracted physicians. In addition, the light of the changing economy. premium is usually very affordable. office visit costs $60; lab fees aver­ ee's needs. Give Health Net a call India. The property, which is a three brokerage firm Sperry Van Ness Not your typical PPO Some who have signed up for the age approximately $30; an x-ray in at I -800-547-2967 for more infor­ story complex with 34 units, was reports the sale of Country Club Health Net's First Advantage, First Advantage plan have reported a doctor's office is approximately mation. sold by Mrs. Harriet Nafziger to West Apartments located at 422 currently offered to employer that their savings in monthly premi- $135, and an emergency room visit Gardner Investments, LLC for Weir Road, San Bernardino. The 134 $l.l75,000. Scott R. Wilson a Palm unit complex sold for $2,800.000. Desert resident and the firm's found­ Kemal Ozkarahan of Sperry Van ing partner is an apartment specialist Ness represented the buyer.. The Profit Enhancement Consulting with Wilson Johnson who repre­ commercial real estate brokerage sented both the buyer and seller in firm Sperry Van Ness reports the Helping companies improve profits and cash flow this transaction .. Grubb & Ellis sale of Palm Breeze Apartments Company, global business advisors located at 178 N. Yale Street, Hemet. Individual Services: for commercial and corporate real The 48 unit complex sold for Strategic Change in Sates & Marketing Raising Capital estate issues, today announced that $1,300.000. Kemal Ozkarahan of 800~ !1 L!!~S McSpanish Oaks LLC, a San Sperry Van Ness represented the 0 Breakeven Analysis Lease or Debt Negotiation Clemente based private investor, has owner ... The commercial real estate @[j) . Written Business Plan Work Flow Enhancement purchased Spanish Oaks, a 46-unit brokerage firm Sperry Van Ness apartment complex in Riverside. reports the sale of Fountain Blue Cost/Expense Reduction Increase Employee Moral Apartments, Coco Palms, Grand The transaction was valued at $2.3 m&ao. Inventory Improvement Accounts Receivable Improvement million. The three-building com­ Prix & Waldorf Apartments, TopLis/ Allows You To: 0 Buying/Purchasing plex, which IS located at 8395 located at 1856 & 1740 Lorna Vista, 0 Print mailing labels and Documented Job Procedures 1733 7th St. 3439 Anderson, follow-up reports. Magnolia Ave., was 95 percent Customer Satisfaction Survey Cash Flow Analysis occupied at the time of sale. The Riverside. The 84 unit complex sold 0 Create exportable lex! files. property was sold by Cal State for $2,900,000. Kemal Ozkarahan 0 Load and use over 30 additional "Book of Lisls." ALSO OFFERED: Investment Ltd of Los Angeles. of Sperry Van Ness represented 0 Plus more! John Kalmikov and Bill Roblero of both the owner and the buyer ... The TopList Is: Overall Business Turnaround -for Struggling Companies Grubb & Ellis' Ontario office rep­ sale of the Lincoln Plaza was 0 Self-installing and menu prompted. Business Evaluation -to find strengths & weaknesses resented the buyer in the transacuon. announced today by Kevin Assef, 0 Available for IBM/PC or computers The seller represented itself ... The Regional Manager for the Ontario 0 Also available in ACf!-ready formats. ALWAYS CONFIDENTIAL commercial real estate brokerage office of Marcus & Millichap Real It's Easy To Order. For fastest service, firm Sperry Van Ness reports the Estate Investment Brokerage For more information go to: sale of Garden Breeze Apartments Company. The property sold for www.toplist.com located at 415 S. Mount Vernon $6.361,500.00 ... Sperry Van Ness " or call (909} 484-9765 ext. 27 Topl1st @ s 125 00 ea./add 7 5% sates tax/sh1pp1ng end hilndhng 53 50/next bus1ness day (S8 50) www.ProfitCashflow.com orcatt (626) 852-9399 Ave., San Bernardtno. The 126 unit pleased to announce the sale of PAGE 22 • INLA D EMPIRE BUSINESS JOURNAL MARCH2002 MARCH 2002 INLAND EMPIRE BUSINESS JOURNAL • PAGE 23 Rosy Employment Picture Painted for Ontario/Upland INVESTlVIENTS & FINANCE Robust staffing activity ts in the outlook was flourishmg as 43 On a national level, hinng actt v­ the pem1anent workforce, and dur­ store for th~ Ontario/Upland area percent forecast adding staff and ity is expected to improve slightly ing tt s 26-year hiS tory has been a this spring. That ts based on the lat­ none predtcted personnel reduc­ over the coming months as 21 per­ significant indicator of e mployment INLAND EMPIRE BUSINESS JOURNAL I DUFF &PHELPS, LLCS TOCKSHEET est poll of businesses' workforce cent foresee personnel gains, I 0 per­ trends. The survey is based on tele­ tiOn s. Three months ago, slight THE GAINERS THE LOSERS plans, recently released by gams were expected when 30 per­ cent project cutbacks and 63 percent phone interviews with nearly Top five, by percentage 'lop five. by percentage Manpower Inc. cent projected more hires. whtle 23 are satisfied with current levels. The 16,000 public and pri vate employ­ remaining six percent are unsure of ers in 478 U.S. markets. For more Of companies respondmg to the percent tndicated employment lev­ Com pan} Current Beg. of Point % Change Company Current Beg. of Point '7o Change infom1atio n, visit Manpower's U.S. Second Quarter Employment els would decrease. thetr staffing needs. Close Month Change Close Month Change Outlook Survey, 40 percent will In the second quarter, job post­ Web site at www. us. manpower. Business Bancorp 12.680 11.400 1.280 11.2 Channell Commcrctal Corp . 1150 4.500 -1 150 -25.6 recruit more workers during April, mgs are planned in consLruction, T HE EMPLOYMENT OUT­ com. Manpower Inc. is a world Motltech Holdin gs Inc. 9.200 9. 150 0.050 0.5 Keystone Automotive Indu stries Inc. 17.4 50 19.380 - I 930 - 10.0 Prov ident Financial H ldg~. 27.000 26.010 0.090 0.3 Flc!c twootl En terprises Inc 9.980 11.000 -1.020 -9.3 May and June," satd Manpower non-durable goods manufacturing. LOOK SURVEY leader in the staffing industry, pro­ Wat.;.;on Phannaceuticals Inc. 29.140 29 300 -0.160 -0.5 Li fe Fi nam:1a l Corp 3. 170 3.450 0.280 -8. 1 Manpower Inc. conducts the viding workforce management serv­ spokesperson Evlyn Wilcox, "whtle transportatton/public uttiities, PFF Bam;orp Inc. 29.100 29 500 -0.400 -1.4 CVB Fi nancial Corp. 18.lXXI 19.340 -1 340 -6.9 three percent expect to cut back and wholesale/retatl trade, servtces and Employment Outlook Survey in the ices and solutions to customers 57 percent report no changes are public admmistration. Staff reduc­ United States on a quarterly basis. It through 3,900 offices in 61 coun­ Name Ticker 2/26/02 1/31/02 % Chg. 52 Week 52 Week Current E'change anticipated." tions lie ahead in durable goods is a measurement of employers' tries. Close Price Open Price Month High LO\\- P/ ..: Ratio intentions to increase or decrease For the similar period last year, manufacturing. American State~ Water Co. AWR 34.150 36.200 -5.7 39.60 28.50 17.1 NYSE Business Bancorp BZ BC 12.680 11.400 11.2 14 75 10.13 10.6 AM EX Channell Commercial Corp . CHNL 3.350 4.500 -25.6 7. 69 2.20 NM NASDAQ CVB Financtal Corp . CVBF 18.000 19.340 -6.9 20.27 11.60 15.9 NASDAQ Enron Debacle- Wake Up Call For Retirees - Fleetwood Enlerpmes Inc. FLE 9.980 11.000 -9.3 17 .25 8.10 NM NYSE Foothill Independent Bancorp FOOT 13.380 13.740 -2.6 14.75 10.28 11.4 NASDAQ continued from page JJ reports-and are they accurate?) or K-Mart would no longer be lead­ pen at your beloved employer/ex­ HOT Topic Inc. 22.347 25.47 14.34 27 .3 NASDAQ foremost in their investment deci­ times change. The swans of yester­ ers in their industries? employer? HOTT 22.000 -1.6 sion-making: day can be tomorrow's dogs because 3. There wi ll always be some Anyone having a concentrated Key stone Automoti ve lnds. lnc.(H) KEYS 17.450 19.380 - 10.0 20.44 6.56 28.6 NASDAQ of technology shifts. occurrence of ethics lapse by execu­ position in one company can call the Ltfe Financial Corp. LFCO 3. 170 3.450 -8.1 4.40 0.80 NM AMEX I. No matter how strong your tives at corporations and their audi­ office of A. Steve Kambourian at 1- Modtech Holdtngs Inc. MOOT 9.200 9.150 0.5 12. 50 6.75 11.4 NASDAQ employer appears to be (do you real­ 2. Would anyone have thought tors. Are you willing to bel much of 800-562-7999 to find out about NatiOnal RV Holdtngs Inc. NVH 9.450 9.950 -5.0 15 .10 7.80 NM NYSE ly understand their accounting 20 years ago that AT&T, IBM, TWA your net wonh that it couldn't hap- diversifying with no tax impact. PFF Bancorp Inc. PFB 29. 100 29.500 -1.4 29.98 19.25 11.5 NYSE Provident Financial Holdings PROV 27.000 26.9 10 0.3 27.50 17. 00 10.0 NASDAQ Wa t ~o n Pharmaceuticals Inc. WPI 29. 140 29.300 -0.5 66.39 26.50 17.8 NYSE

NOll!s: (H)-Stock hit 52-wl!ek hi gh dunng th l! month. (L)- Stock hit 52-week lo\v during the month, (S )- Stock Split during the month NM - Not Meuningful ---- UNITED Five Most Active Stock ~ Monthly Summary l/28/02 Duff & Phelps, Stock Month Volume Adl'anm LLC HOT To p~e In c. 15.005,500 Declines II One of the nat1on's leading Invest­ Watson Ph a rrnac~ uti c uls Inc. 12,879,000 ment bank1ng and financial advi..,ory 3,493,300 Unchanged Fl eetwood Enterpri-;es Inc. 0 organttauons. All stock data on thiS WE Ketstone Automotive Industries Inc. 992.600 Ne11 H1ghs page is proVIded by Duff & Phelps. CVB Financtal Corp. 417,900 New Lows 0 LLC from sources deemed reliable. D&PIIEBJ Total Volume Month 35,835.175 No recommendation IS intended or STAND implied. (31 0) 284-8008. "No" is a word our lenders have to look up Sempra Energy Trading Acquires Enron Metals Limited Business Bancorp in the dictionary Announces Stock Company to Capitalize on Synergies Between Energy and Metals Trading Markets Repurchase Program Whether you arejustgettmg started, or your business has been flourishing Lunited is actiH! in metal brokering Busmess Bancorp (NasdaqNM for years. Vineyard National Bank offers the full range of banking services Sempra Energy Trading, the to he completed by Feb. 4. and market Since its BZBC). parent company of Busme" that you need to manage your finances and support you r growth. We realize wholesale energy trading sub,idiary "Thh acqu!Slllon further rnaJ...ing . mcep­ Bank of California, has announced a that you r business is unique, and you r time is valuable. As a resu l ~ flexibility of Sempra Energy (NYSE: SRE). expands Sempra Energy\ tradmg tton, 1h" has been a profitable com and responsiveness are two of the cornerstones by which we operate. has announced that it is acquinng and ri\k· managcment capahilnics 111 pany and we expect this track record plan to repurchase up to $5 mill ton of Contact us toll-free and we will meet with you at your convenience to deter­ London-based Enron Metals 1he global marketplace, and of \ucces\ to continue. adding new the company·.., common c,tock. mi ne the right financial solution fo r you r specific situation. Ltmited. the leadmg metals 1rader on enhance' Sempra Energy Tradtng\ value for our ~.ohareholders." The repurchase program author­ the London Metals Exchange po~ition as a prcmu:::r commodity Felsinger said the transaction i;.; ize' the company to repurc~ase and (LME). lradtng firm," satd Donald E. expected to be accrell ve to Sempra retire up to $5 m ill ion of its com mon tn stock m open market and private v Sempra Energy stated that II IS Fle"nger, group prestdent of Energy\ earntngs 2002 Upon purchasmg the busmess for a cash Sempra Energy Global Enterprises, closmg of the tran,acuon. Enron transactions during the next five 800.442.4996 pnce of approx tmately $145 mi ll ion, the umbrella for Sempra's growth Metals Ltmtted will be renamed years. T he lime of purchases and the RANCHO CUCAMONGA • CHINO • DIAMOND BAR • CRESTLINE • BLUEJAY FOOTHILL INDEPENDENT BANK subject to a fi nal audit of the net husmesses, includtng Sempra Sempra Metals Lim11ed and contin ­ exact number of shares to be pur- vineyardbank.com G) "* Doo•••·rfK assets. T he transaction was expected Energy Tradtng. "Enron Metals ue to be ba,ed in London continued on page 33 PAGE 24 • INLAND EMPIRE BUSINESS JOURNAL MARCH 2002 MARCHzo02 INLAND EMPIRE BUSINESS JOURNAL • PAGE 25 FINANCIAL FINANCIAL Building a Retirement Nest Egg for Two Can Community Bancorp 2001 Earnings up 10 Challenge Single-Income Couples Percent on 25 Percent Loan Growth Community Bancorp Inc. eight percent to $11.3 million in the to 78.6 percent in 200 I, compared to omy, we elected to significantly add For the more than 21 million couple at age 45 could have up to an workplace savings plan. only pan of working spouses. In 1997. the (Nasdaq:CMBC) has announced year, compared to $10.4 million in 80.7 percent last year. "Funher to our reserve for loan losses this single-mcome couples in the United additional $395.000. according 10 his or her contribution is deductible, Taxpayer Relief Act added higher that 2001 profits increased 10 per­ 2000. Other operating income improving our efficiency ratio is a year, even though our loan quality States saving for two retirements. Fidelity lnve>tments. but the contribution to the spousal AGI limits for deductible contribu­ cent over last year, fueled by strong increased 34 percent to $2.9 million. key goal for 2002," continued Mills. has remained solid," Swanson said. help ha; arrived New tax relief "The new tax laws provide wel­ IRA is still fully deduCilble. tions for non-working spouses. And loan growth and increases in non­ from $2.2 million last year. "We Founh quaner profits were "Maintaining a solid balance sheet laws, now in effect, boost the sav­ come rel1ef to single-mcome cou­ Above $64,000 the working now. increased IRA contributions as interest income. Revenues grew 15 maintain a balance and limit our $328,000, or $0.10 per diluted will always be a high priority." The ings ability of single-income cou­ ples who don't have the same spouse can't deduct anything, but pan of the Economic Growth and percent for the year, boosted by a 34 exposure by selling off a ponion of share, compared to $434,000, or provision for loan losses increased ples by increasing contribution lim­ opportunnies to save for retnement contributions to the spousal IRA are Tax Relief Reconciliation Act of percent increase in other operating our SBA production each quaner, to $0.16 per share a year ago. 65 percent to $706,000 in the founh its for Individual Retirement as two-income couples," said fully deductible up to an AGI of 2001 will help non-working spouses income at Community National keep that segment of our ponfolio "Community National Bank is an quaner and totaled $1.5 million for Accounts (IRAs). Marcia Mantell, vice president of $150,000. continue to build their retiremenr Bank, the wholly-owned subsidiary below 40 percent of total loans," asset-sensitive instttution, one the year. The total reserve for loan As of January 2002, maximum Fidelity Retirement Services. ''The "Compare that to the deductibil­ savings. of Community Bancorp. stated Torn Swanson, president and whose adjustable rate loans are gen­ losses was $3.1 million at year end, contribuuon limits for IRAs increased contribution limits ity limit of $54,000 for a married Fidelity Investments is one of For the year ended Dec. 21, CEO. "Our strategy creates recur­ erally tied to some percentage over which represented 270 percent of increased to $3.000 for both emphasize how imponant it is for couple filmg JOintly and you can see the world's largest providers of 200 I, net income increased I 0 per­ ring non-interest income each quar­ prime rate and respond quickly to non-perfonning loans. net of gov­ Traditional imd Roth IRA. com­ them 10 invest in IRAs for both what a tremendous benefit this is for financial services with custodied cent to $1.1 million, or $0.37 per ter, while enhancing sustainable interest rate changes, while COs and ernment guarantees. pared to the old limit of $2.000. The spouses to increase their overall single-income couples," Mantell assets of $1.5 trillion, including diluted share, up from $1.0 million interest income. In 2001, we sold other deposits reprice much slower," "At Dec. 31. 2001, non-per­ contribution limit increases to retirement savings." said. managed assets of $883.4 billion. or $0.37 per diluted share last year. $28.5 million in SBA loans, result­ stated Swanson. "As the year pro­ fanning loans were $3.2 million, $4,000 in 2005 and $5,000 in 2008. Tax Advantage for Spousal IRAs Spousal IRAs Have Come a Long Fidelity offers investment manage­ Total revenues, comprised of net ing in a $1.1 million gain. In 2000, gressed, the eleven interest rate cuts with $2.1 million covered by gov­ Americans age 50 and older can A single-income couple filing Way ment, retirement, brokerage and interest income before the provision while still working to increase the totaling 425 basis points in 200 I ernment guarantees, in line with take advantage of an additional their taxes jointly can have the As pan of the Small Business shareholder services to 17 million for loan losses and other operating SBA ponion of the ponfolio, we squeezed significantly our net inter­ industry standards at just under one "catch-up" contnbuuon of $500 in added benefit of higher deductibility Job Protection Act of 1996, maxi­ individuals and institutions as well income, increased 15 percent in retained all of our SBA 7a produc­ est margin and impacted profits. We percent of total loans," Mills said. 2002. This catch-up contribution limits for the non-working spouse. mum contribution limits for spousal as through 5,500 financial interme­ 2001 to $15.6 million, up from tion, and only sold $4.5 million in believe we are well positioned for "It may appear a significant increase $13.5 the year before. increases to $1,000 annually in IRA contributions to Traditional IRAs increased to $2,000 annually diaries. The firm is the largest SBA 504 loans. for a net gain of just 2002 when we expect to see rates over year end 2000, but delinquen­ 2006. IRAs for the wage earner and the from $250. allowing non-working mutual fund company in the United The company has achieved $162,000. stabilize and perhaps edge back up." cies at that time were exceptionally By investing in an IRA and a spouse are fully deductible until the spouses to save as much for retire­ States, the No. I provider of work­ sizeable growth m loans. deposits ''The ratio of operating expense Net interest margin was 4.06 percent low, totaling only $57.000. We only spousal IRA and taking advantage couple's adjusted gross income ment as working spouses. In 1997, place retirement savings plans, one and total assets. Net loans grew 25 to average assets declined to 3.81 in 200 I, compared to 5.20 percent in have one repossessed asset on the percent from a year ago to $305 mil­ of the increased IRA contribution (AGE) reaches $54,000. If the cou­ the Taxpayer Relief Act added high­ of the largest mutual fund supermar­ percent in 200 I. compared to 4.69 the prior year books valued at $1.9 million. We lion, total assets increased 32 per­ percent in the prior year, even limits, a Single-income couple at age ple's AGI is between $54,000 and er AGI limits for deductible contri­ kets and a leading online brokerage Fourth quarter net mterest are currently negotiating with sever­ cent to $369 million. and deposits 35 could have up 10 an additional $1 $64,000 for tax year 2002 and the butions for non-working spouses to finn. Fidelity Investments' Web site though we have grown from three to income after the provision for loan al potential buyers and expect to grew 32 percent to $J33 million at five branches," stated Bruce Mills, losses was $2.6 million, compared million at age 65. A single-income working spouse 1s eligible for a save as much for retirement as is at www.fidelity.com. complete the sale in the second year end. Total loan originations CFO. In the year, Community to $3.0 million a year ago. Other quarter with minimal additional increased 18 percent to $267 million National Bank opened new branches operating income increased 78 per­ losses." for the year. compared to $226 mil­ in Bonsall and Escondido. In March cent to $1.0 million. from $541,000 Return on average equity (ROE) lion in 2000. as the bank continued of 2002. company headquaners will in the founh quaner last year. Other was 7.80 percent in 200 I, down Temecula Valley Bank Announces to focus on commercial real estate move to Escondido. and that branch operating expenses for the quaner from 8.62 percent a year ago. and SBA lending. will also move into the bank's new were $3.1 million, compared to $2.8 Return on average assets (ROA) was Net interest income after the administration office. Community million in the last quaner of 2000. 0.34 percent, from 0.43 percent last Fourth Quarter Record Earnings provision for loan losses increased Bancorp's efficiency ratio improved "Because of the unsettled econ- continued on page 31

Temecula Valley Bank reponed "We continue to be opumist1c about Based Cap11al rauo at I 0. 17 percent El Cajon. As a Preferred Lender that founh quaner net income rose 2002 and believe that the solid foun­ and the Tier One Leverage Ratio at (PLP) since 1998. the locally-owned History Teaches What to Do in Uncertain Times sharply to $764.814 for the quaner dation we have built will provide for 7.9 percent. Capital mcreased to and operated bank also owns SBA ending Dec. 31, 200 I, an increase of our conunued growth." $15.104,000, a $6,167,000 or 69 loan production offices in Temecula, A. Steve Kambourian, a ceni­ ing years: 1942: +20.3 percent, respectively. emotionally dnven or an attempt to 115 percent over the $355,484 As of Dec. 31, 200 I, Temecula percent increase over last year. The Sherman Oaks, Fresno, Raleigh .. fied senior advisor, cautions that 1943: +25.9 percent, 1944: +19.8 1991, Saddam Hussein burns side-step the market as history earned in the fourth quaner of 2000. Valley Bank's total assets grew over return on average assets and average NC, Knoxville, TN, Tampa/St. some investors have already made a percent, 1945: +36.4 percent. oil fields in Kuwait-oil prices soar shows a big cost for such action. For the 12 months ended Dec. 31, 61 percent to $190,024.000 com­ equity for the quaner continued to Petersburg Fl. Coral Springs, FL. big mistake and others may soon fol­ 1963, The president is assassi­ and the nation readies for hyper­ A. Steve Kambourian, CSA. is the bank's net income jumped more pared to $117,758.000 at Dec. 31, improve. Return on average assets and Atlanta, GA. The bank's com­ low. "It's a classic and repetitive nated-unthinkable in modern inflation. The market drops a little well known for senior retiremelll than 43 percent over the same peri­ 2000. Total gross loans mcreased for the quaner increased from 1.20 mon stock is tradetl 0\•er the count­ action that people sell when they're times. The Dow average slips 3 per­ from an already depcessed level due planning and estate planning. He od last year. Net income for the year 62 percent to $150,275.000 com­ percent in 2000 to 1.60 percent in er with the stock symbol TMUL.OB uncena111. But history teaches this cent yet rebounds 15 percent in the to a recession 111 1990. Those who has helped thousands of seniors nav­ ending December 200 I was pared to $92,539,000 for the same 200 I and the return on average equi­ and the banks Internet Web site can was a mistake." Just look at the past: next 6 months. Return for the S&P wait out the entire year see a 30 per­ igate their financial affairs. He is a $1 ,803,5R I compared to $1,260,302 period last year. Total depos11s ty increased from 16.7 percent in be reached at ~ ... ·ww.tem\•albank.com. 1941, The U.S. is attacked on 500 in 1963: 22.8 percent. cent gain in the S&P 500 for 1991. registered representative of Locust earned in 2000. "We are very climbed 61 percent to 2000 to 20.62 percent in 200 I. The bank has also been recognized its own soil by Japan-worry and 1973/1974, Unseen oil price The only change an investor Street Securities. Inc. "LSSI" mem­ pleased with. the results for 2001, $172.928.000, up from throughout 2001 by The Findley uncena111ty prevails and the U.S. is spikes, stagflation and resignation should make at this time IS to realign ber NASD. SIPC. MSRB. For an given the difficult interest rate econ­ $1 07,307.000 for the same period Temecula Valley Bank was Reports for achie~•ing "Super pulled into World War The worst is of a president-the S&P 500 falls h1s ponfolio to match wllh hi< per­ imen•iew or details on this issue or omy and the costs associated with last year. established in 1996 and operates Premiere Performance." anticipated. The market tanks 11.3 41 percent. Those who do not panic sonal risk level (which should not others, phone him lit (800) 562- the bank's expansion," said Stephen Capital levels conunued to full-serl'ice offices in Temecula. percent that year only to rebound enjoy the rebound 111 1975 and 1976: change "ith ups and downs 111 the 7999. H. Wacknitz, president and CEO. remain strong with the Total Risk Murrieta. Fallbrook. Escondido and and show these ga111s 111 the follow- 37.2 percent and 23.8 percent market). The changes should not be PAGE 26 • INLAND EMPIRE BUSINESS JOURNAL MARCH 2002 MARCH 2002 INLAND EMPIRE BUSINESS JOURNAL • PAGE 27 FINANCIAL FINANCIAL Business Bancorp's Revenues Grow Business Bancorp Announces Groundbreaking in Ontario

Busines!-. Bank of California serving cl1ents statew1dc . "The merg­ located m the clly of Upland and sen1ices to small businesses, profes­ After Merger With MCB Financial (www.busincssbnk.com) has broken er has expanded our franchise into managed by Russ Scranton. senior sionals and consumers. !nfonnation ground for construction of a perma­ Northern California," stated Lane, vice president/manager." regarding Business Bancorp staL-k million. or 17 percent of the pan fo ­ Business Bancorp California's busmess banks and cre­ II percent to 17 percent: expand our nent branch office in the city of "and we look forward to the new Business Bank of California has can be obtai11ed 011 NASDAQ uti lit· (NasdaqNM:BZBC-news). the par­ atmg a platform for future growth. deposit base five percent to I 0 per­ lio. Ontario. opponunities presented by that mar­ sen,ed California businesses since ing the symbol (BZBC) or by access­ ent company of Business Bank of "Our goal is to build a first-class, cent; increase our loan ponfolio by Asset quality remained strong The new office will be located at ket as well as welcome the additional 1984. They are strongly focused 011 ing the Web site at www.business­ CA (www.businessbank.com), has state-wide, middle-market business I 0 percent or more; drive ROAE with total non-performing loans of 3998 Inl and Empire Blvd., adjacent branch office in Southern California, providing high quality, personalized ba11k.com. reponed stro~g revenue growth and bank, staning with the solid founda­ above I 0 percent and ROAA above $2.0 million, or 0.50 percent of to Extended Stay America and the 10 a I 02 percent increase in assets fol­ tion of our two organizations." said 0.85 percent, while maintaining total loans at year-end, compared to Freeway. The branch is scheduled to lowing the merger of equals with Alan J. Lane, chief executive offi­ solid asset quality measured by a $1.0 million or 0.55 percent of total open in the fall of 2002. MCB Financial. Revenues cer. "Once we have fully-integrated ratio of non-performmg assets loans a year ago. NPA/assets was Alan J. Lane, president of increased 19 percent to $20.4 mil­ our operations, we will have the (NPA) to total assets of 0.50 percent 0.32 percent at year-end compared Business Bank of California and Stan lion and profits grew 10 percent to critical mass, in terms of size and or better. with net charge-offs of to 0.48 percent a year ago. The Cruse, regional vice president and $2.5 million or $1.20 per diluted scale, to acquire emerging business between 10 and 15 basis points." bank's allowance for loan losses manager of the bank's existing office share for the year. Business banks m California and funher build commemed Patrick E. Phelan. chief increased 147 percent to $4.6 mil­ 111 Ontario, greeted city officials, dig­ Bancorp, with assets of $630 mil­ our franchise." financial officer. lion. or 1.17 percent of total loans, nitaries and guests, for the formal lion, serves the needs of m1d-market "With the merger accomplished Balance Sheet Highlights (at Dec. compared to $1.8 million or 1.02 ceremony. Participants included the businesses through Hs 16 branches on-time, we are now working on the 3I, 2001 compared to Dec. 3I, percent of total loans a year earlier. Honorable Gary C. Ovitt, mayor; m Northern and Southern integration of the two banks focus­ 2000) During the first nine months of Gerald A. DuBo1s, mayor Pro-Tem; Califomta. ing on propagating the best prac­ The merger, combined with 200 I, the bank charged-off a total of Alan D. Wapner, council manager; Because the merger was com­ tices of each entity." said Charles 0. solid year-to-date internal growth. $57.000 and posted a net recovery Mary Jane Olhasso, economic devel­ pleted at the end of the year and was Hall, president. "To that end, we've effectively doubled Business of $110,000 in the founh quaner, opment director; Lynda Vanhoof, field representative for county super­ accounted for a< a purchase transac­ htred Sheshunoff to work with us to Bancorp's balance sheet. Assets resulting in a net recovery of visor. Fred Aguiar; Robert L. tion. the income statement excludes develop and implement our data­ grew 102 percent to $630 million, $53,000 for the full year. Traister, pres1dcnt!CEO Ontario MCB Financial's operatmg results processing convers1on, cultural inte­ compared to $312 million a year Deposits almost doubled fol­ Chamber of Commerce; Donald A. and reflects only BZBC's 200 I gration and busmess process opti­ ago. Gross loans increased 117 per­ lowing the merger, increasing 96 Dnftmetr, CPA with Vavrinek, Trine, operating profits, whereas the bal­ mizataon. We anticapate the data cent to $391 million with commer­ percent to $518 million from $265 Day & Co., a.s well as board mem· ance sheet reflects the newly com­ processing and systems conversions cial real estate loans increasing 162 million a year ago. Non-interest bers and senior executives from bined bank at year-end. will be complete within the next 3 percent to $221 million, or 57 per­ bearing deposits mcreased I 07 per­ Busmess Bank of California. Merger Update months, and expect to begm seeing cent of the ponfolio. Commercial cent to $197 million, or 38 percent Lane commented that: "Both Announced in August 200 I. the cost benetits of full integration loans increased 78 percent to $70 of total deposits, compared to $95 Stan Cruse and I are extremely Business Bancorp and MCB during the 4th quaner. million. or 18 percent of the portfo­ million, or 36 percent of total pleased to have such a show of sup­ Financial's merger was completed "Our goals for 2002 are to gen­ lio, and real estate construction deposits at the end of 2000. pan from the clly of Ontario. It's on Dec. 31, 2001, umting two of erate growth m earnings per share of lending increased 96 percent to $67 extremely gratifying that in the two years we have been operating from our temporary office in the Empire Towers II building, we have been Inland Empire Bad Check Restitution Programs able to establish such an excellent What is a Bad Check Restitution and small cla1ms coun reqUJres a program. gram must pay restitUtiOn and rapport with the city and those who represent it!" Program? certain expenditure of t1me and Checks must be reponed 111 the attend a mandatory eight-hour Inter­ Cruse, manager of the bank's Here in the Inland Empire, 111 money to file a complamt, and judg­ JUrisdiction where the check was vention class. Cases on check writ­ temporary office located at 4141 both Riverside and San Bernardino ment can be difficult to enforce. passed. For example, 1f the check ers who fat! to fully comply with all Inland Empire Blvd., Suite 280, has BusI ESS Counties, the distnct attorneys offer The negative impact of bad checks was received 1n Rancho reqUirements of the program are been actively involved in the city of programs to help local businesses on the local economy meant con­ Cucamonga, ll should be reponed to mvest1gated for a possible cnmmal OF Ontano for more than eight years. He recover revenue lost to bad checks sumers paid h1gher prices for goods the San Bernard1no program. filing. BANK CAlJFORNIA is the past prestdent of the Ontario and discourage bad check writers and services because the merchants Likewise, if passed m Corona, it The diversion opportun1ty, cou­ Chamber of Commerce and supports from repealing their offense. Each were forced to increase prices to should be reponed to the Riverside pled with the possibility of prose­ numerous community causes both county's program, termed a "Bad offset their losses. program. The district attorney's cution, deters most bad check writ­ Inland Empire: (909) 888-2265 financially and wnh a commitment of Check Restitution Program" is How does the Bad Check office will seek full rest1tution for ers from future offenses. All of this his personal time and effort. administered through the office of Restitution Program work? merchants wherever possible, but is accomplished without cost to Los Angeles: 800-881-2489 Business Bank of Cahforma's tem­ First, the merchant should con­ does not make any collectiOn guar­ county taxpayers; funding is its district allomey. porary facilities opened for buStnc» Before these programs were tact the bad check writer to demand antee'\. obtained through statutory fees San Diego: 858-793-9310 on Aug. 18. 1999 and has total as;ets instituted, Inland Empire merchants payment m full; a minimum grace The primary goal of both pro­ charged only to bad check wnters. of more than $11 m1ll1on. Northern California: 65~2~ period of I 0 days must be extended grams is to obtain restitution for the For funher informat1on on the who received bad checks were often Busmes!-. Bank of Cali forma has to the check writer to make good on merchanl. Merchants benefit Riverside County program, call 1- unable to recover their losses when recently completed a merger of the check. If the check writer fails HatkFDIC a check was returned by the bank. because they rccetve assistance 800-584-3201; for information equals "1th Metro Commerce Bank to make payment, the merchant can Law enforcement d1d not have suffi­ without paymg any collectiOn fees. about the San Bernardino County and now has 15 full-scmce offices -.businessbank.com cient resources to handle such cases repon the check to the local county Check writers reponed to the pro- program, call 1-800-597-2644. PAGE 28 • INLAND EMPIRE BUSINESS JOURNAL MARCII2002 MARCH 2002 INLAND EMPIRE BUSINESS JOURNAL • PAGE 29 FINANCIAL Hemet Bancorp Announces Its Intention Investors Must Consid er Options to Qualify as an S Corporation for Future Investing Hemet Bancorp (OTCBB: ration, it \Viii need to reduce the poses. A ... an S corporation. "JUbstan­ laxation of Ji\ idends. hY Ausrm 8. Ellioti type of risk (price risk) to cancel out company stocks of I 0.0 percent and be the way to go. Is It the way to go? HMET) ha> announced Jt' mtention number of its -..han:hoh..lcrs to no ually all of Hemet Bancorp'' ta\ Jia­ For Hemet Bancorp to meet the During the m1d to late 1990s, another type (reinvestment rate 5.5 percent in bond,. No one knows but growth 111 the to qualify Hemet Bancorp to become bilit) would be assumed by its share­ Internal Revenue Serv1ce eligibility more than 75, from !Is current num­ putt1ng your money into mutual risk). He states that by using the The II interest rate drops by the stock market and renewed investor an S corporation for income tax pur- holders. thus eliminating the Joublt!- requirements to become an S corpo- ber of approxm1ately 400. Reducmg funds was one of the most lucrative immuntzation theory, "The favor­ feds may be startmg to have an confidence is the goal of the Board the number of 'hareholders will way' to go. If many of my client\, able results on one side can be used effect on the economy. Generally It of Governors of the Federal Reserve involve the merger of Hemet and clients of my colleagues, had to offset the unfavorable results on takes eight to I 0 months for 'uch System (Fed). Bancorp with Hemet Financtal the benefit of know111g the direction the other." interventions to take hold. We have I also tell my clients that the for­ Group. a corporation soon to be of the fund market 'even or e1ght In essence, that's the gist of passed that 'tage. Bond' have had a mula to detennine how much money formed. years ago, they may have dumped a what mvestor> should be looking at good year, in most cases. With you allocate to 'tocks has changed. Immediately pnor to the merg­ lot more money mto mutual funds. 111 the near to intermediate proper planning techniques, a return In the past. you would subtract your er of Hemet Financial Group <.~nd Who would have known that dou­ future .u\ing one type of invest­ to stock and stock mutual fund' may colllinued on page 39 Hemet Bancorp. certam sharehold­ ble-digit returns. and 'ome high ment to offset potential losses in ers of Hemet Bancorp , .... ill double digits at that. would have another. No longer 'hould we put exchange their share-.. of llemct been realized'} our eggs into one ba,ket, neglectmg :. World Trade Finance Inc. Bancorp common stock lor an However, we can't go back and concepts such as 1mmuni1.ation and Export Financing Specialists equi\ alent number of share-.. of many investors arc aware thm we broader diversification. If rkin common stock of llemet Financial are 111 a totally different financial Investor> 'hould also look more I , Group. It IS proposed that Hemet marketplace now. Caution is only seriously at small company stocks Financial Group will have as ns one of the words we should use. and small capllalization mutual Tel (323) 660-1277 (323) 660-1470 shareholders those 'hare holders of Another is immunization. In his funds. as opposed to bonds and large l'ax 875 N V~rgtl Ave, Los Angeles, CA 90029 Hemet Bancorp, includmg three­ book "Investments: Analysis and companies. Over the pa't 50 years, www wtfinc com tors and officer\ of Hemet Management," Charles P. Jones small company stocks have had con­ Bancorp and The Bank of Hemet. stresses the importance of immuniz­ servative annual average returns of whose form of O\\nership i' eligi­ ing a bond portfolio by using one 12.0 percent compared with large ble to be a shareholder of an S cor­ poration and who currently are American Heart Association's rapid access journal report: among the 74 largest 'hareholders of Hemet Bancorp. Air pollution causes healthy blood vessels to constrict The selectllln of such elig1ble For the first tie re,earchers have heart and blood veS>el disease." says materials are created when the sun diameter of the volunteers brachial 'hareholder> will be made based shown that a1r pollution negatively Robert D. Brook, M.D .. study co­ shines on these emissions. artery-which runs from the shoulder on the shareholder records main­ affects the blood ves,eb of healthy author and ass"tant professor of "In other re,earch, exposure to to the elbow-before and after two tained by Hemet Bancorp. Only human,, according to a study in internal medicine 111 the division of fine particles has been implicated in hours of exposure to a concentrated those Hemet Bancorp 'hareholde" today's rap1d access issue of hyperten~10n and vascular medicine coronary events such as heart mixture of ozone and fine particles. who provide a written commitM Circulation: A Journal of the program at the Umver>Hy of attacks," Brook explams. "In con­ The level of concentration (!50 ment to maintaining their eligibili­ American Heart Association. M1Ch1gan, Ann Arbor. trast to larger particles. wh1ch are micrograms per cub1c meter) was ty to be a ,hareholder of Hemet In the study, 25 healthy people "There have been some sugges­ trapped m the upper a~rways when about twice the EPA-sugge,ted level Financial Group will be mcluded inhaled elevated concentratiom of tions in previous studies that people inhaled, the line particles travel for 24 hours of exposure (65 micro­ 111 the exchange and the proposed fine particles plus ozone for two with atherosclerosis tend to respond down to the alveoli, tiny air sacs at grams per cub1c meter). Brook merger of Hemet Ban corp "1th hours. After exposure, volunteers' wllh greater-than-normal constric­ the base of the lungs, where they can described that exposure as Similar to Hemet Financial Group. All of the blood vessel' constricted between tion, or narrowing of blood vessels, affect the rest of the cardiova,cular those found in urban areas during remaining \hareholder of Hemet two percent and four percent on in response to certain hormones in system by adversely Impacting cir­ peak air pollution time' such as rush­ Bancorp will be ca,hed out in the average. Their vessels d1d not con­ the body. Could It be that their blood culating blood. It is poss1ble that the hour traffic. proposed appraiSal and an mde­ strict when they were exposed lO vessels also have enhanced constric­ particles may even directly enter the At least two days before or after pendent fmrness opmion report ozone-free and particle-free a1r. tion in response to air polluuon? blood." the poll utant exposure, subjects obtained from 1ts 1nve,tment bank­ "We have a wealth of epidemio­ Future stud1es wi ll be needed to The University of Toronto has underwent the same meas urement s ing firm. logical data s~ying that air po ll ution answer that questi on," Brook says. one of only a few fac il iti es in the after being exposed to air that was The propo,ed merger wi II be is associated with adverse respirato­ The researchers focused on world currently usmg human volun­ fi ltered to remove the pollutants. 1·877·4-CBBANK contingent upon Hemet Financial ry and cardiovascular outcomes, but ozone and fine particular matter. teers that is capable of concentrating The volunteers' arteries showed www.cbbank.com Group ownmg 111 excess of 90 per­ there is still a Jack of understanding Fine part1cles are those with a diam­ outdoor urban air parti cles to a no change in response to breathmg cent of the outstandmg 'hare' of as to how the association occurs eter of !eS> then 2.5 micrometers. desi red pollution level, then p1ping filtered air, but constricted from two Hemet Bancorp prior to the merg­ physiologically. These findings sug­ Fine particles are emitted from burn­ them 1nto a special a1r chamber for percent to four percent in response to er and the rece1pt by Hemet gest a possible reason why the rate of ing fossil fuels, mo,tly from car expenments such as th" one, he the polluted a1r. Financ1al Group of the nece"ary heart attacks and other cardiovascu­ engine exhaust, power generatton says. Researchers measured the width, regu latory approval> of the f'ederal lar events mcreases with exposure to and many mdustrial processes. In thi' >tudy, the researchers or di lation. of the brachial artery. air pollution for people with known Ozone and additional particulate used ultrasound to measure the continued on page 48 cmltmw:d on pa1-:e 31 PAGE 30 • INLAND EMPIRE BUSINESS JOURNAL MARCH2002 MARCH2002 SECOND PAGE ONE INLAND EMPIRE BUSINESS JOURNAL • PAGE 31 Pricewaterhouse Coopers Launches Innovative PFF Bancorp Adds Local Ring to New York Stock Exchange Campus Recruiting Campaign NYSE under the new ticker symbol: PFF Bancorp Inc. remains on PFB. The bell-ringing ceremony track for a fifth consecuttve fiscal A visible, positive appeal to Gen Y The new college recruiting Web campaign is essential," said for good people." was one of the few tunes a locally- year of record earnings. On a fiscal age group site (hup:www.pwcglobal.com/look Daugherty, "at a ume when account- Price Waterhouse Coopers based company has ever been repre- year-to-date basis, through the nine PricewaterhouseCoopers LLP here is another cornerstone of the ing majors have declined 20 percent (www.pwcglobal.com) is the world's sented on the famous podium. months ended Dec. 31, 2001, net has launched an innovative market­ marketing effort. Enhanced tnterac- over the last few years, and 50 to 60 largest professional services organiM "We're proud to be the only earnings of $26.5 million or $2.01 ing campaign targeting U.S. college tive aspects were designed to more percent at a number of our top z.atioTL Drawing on the knowledge Inland Empire-based financial insti- per diluted share are up 25 percent students. The focus of the communi­ readily build relationships with a col- schools. With increasing questions and skills of more than 150,000 peo­ tution to be listed on the NYSE. from the $21.2 million or $1.66 per cations effort includes a new college legiate audience. For instance, stu- about our profession, we have to take ple in 150 countries, our purpose is Achieving this distinction is further diluted share for the comparable recruiting Web site with increased dents will see video clips of up the challenge. We can't for anyone to provide assurance to the global evidence of our financtal strength period of the prior year. interactivity and a series of creative Price WaterhouseCoopers people else to do it for us. We must be proac- financial markets and solve complex and strong market presence," com- PFF Bank & Trust operates its print ads. All are based on research of talking about career challenges, the live about the good careers we have business problems with our clients. mented Chaimnan DesCombes on business through 24 full-service the collegiate 22-and-under audi­ work culture, and what new staff .------2=-o-=~o:::-t-:;­ the floor of the Exchange. "We're banking branches, two trust offices, ence, popularly known as Generation membersneedtodotobesuccessful. Community Bancorp especially pleased to come from the a Southern California regional loan Y. Links will let students learn more, Inland Empire, one of the fastest- center and a loan origination office "We believe passionately that we attain information and even give continued from page 25 is community banking and commer­ growing regions in the nation, with in Northern California. Later this have to be visible and positive in the access to special marketing events. year. 'The unprecedented interest cio/lending. with additional/ending an economy that has proven to be year, the bank plans to open a 25th college market right now," said "We put a lot of thought into the rate reductions in the past year are nichu of SBA, mortgage and air­ largely responsible for the decline in unusually resilient and powerful in location in Fontana (Baseline and Robert Daugherty, U.S. leader of dynamics of the communication craft lending. The bank serves ROE and ROA," Swanson said. its own right," he added. Cherry) and a 26th location (pend- Human Capital at the firm. pieces, "explained Brent Inman, NortMm San Diego County and the "Improving these operating ratios is PFF Bancorp, Inc., the holding closing bell at the New York Stock The Inland Empire, PFF's pri- ingOTS approval) in Chino (Grand "Accounttng is being questioned in leader of U.S. college recruiting. Inland Empire communities with a priority in 2002." company for PFF Bank & Trust, cel­ Exchange (NYSE) on Feb. II. The mary market, is now home to Ave.). Both Fontana and Chino are headlines every day. It's essential that ''This audience relies on the Internet retail banking offices 111 Fallbrook, Community National Bank, a sub­ ebrated an tmportant milestone as a listing was changed on Dec. 28. approximately 3.3 million people, a considered two of the fastest-grow- we communicate with students about when relating to each other, just like Temecula, Escondido, Bonsall and sidiary of Community Bancorp, is a public company when Chairman The event marked the Bancorp's figure that now exceeds the popula- ing communities in the Inland the good things they'll find in our previous generations did with the Vtsta. TM bank has loan production $369 million financial institution Donald R. DesCombes rang the recent transfer of its listing to the tion of 20 states in the nation. Empire. profession. It's important they know telephone. It's radio, TV, newspapers, offices in Fallbrook, Escondido, Las they can contribute Significantly and entertainment and information all headquartered in Fallbrook, CA. Angeles. Ontario, Orange, grow personally by choosing a career rolled up into one. So our Web site is Lacated between Las Angeles and Sacrament, Temecula, Vista and in The Growth and Technologies Steelscape's Washington with us." a critical part of the campaign. The San Diego, the bank's primary focus tM East San Francisco Bay Area. A series of new print ads is a cen­ print advertising presents situations of Plant Equipment, Inc. tral element of the campaign. Four grounded in the reality of our busi- Site, Will Benefit Rancho ads are planned for winter/spring, by Andrea Laughlin a communications equipment sales ness. The ads are designed to capture MissiOn Crttical Applications, manager, John H. "Jack" Fuller had Cucamonga Facility with each focusing on core work in attention, and then to direct readers to (MAARS), (CT]) - this isn't the the idea to create a company dealing assurance, tax and financial advisory the Web site. Steelscape. Inc. continues to services. ads are designed to next space shuttle launch- it's 9- I­ with multi-line key telephone dis­ Steelscape has also added an Th~ More than 50 seek methods for improving their I technology - and it's what patch systems. The name Plant Intermix Station at its Kalama facil­ engage students with a real and PriceWaterhouseCoopers people products and services. Following are intriguing work situation, and one Temecula-based Plant Equipment, Equipment, Inc. came from a rubber ity. This on-site paint mixing station from the fimn's different lines of some examples of how they are that appeals to Gcn Y values. The service added their personal touch to Inc. (PEl) is all about. For the past gasket manufacturing company that provides the ability to mix bases and making improvements, which ulti­ first ad started its run in February in the campaign. Many are featured on 30 years, PEl has been developing was created by his father during tints to produce polyester coil coat­ mately will benefit their customers. 9-1-1 telecommunications technolo­ World War II. ings. This facility will greatly college print media at about 40 col­ the Web site; some are pictured in the Steelscape recently completed leges across the country. print advertismg. "We believe this gtes and products with special focus Soon, the focus shifted to the enhance their ability to meet short installation of a tension leveler on on the emergency call centers their public safety industry with the lead-time deliveries to customers. the Pickle Line at their Kalama, WA ··-hello? end-user<, thereby creating the 9-1- mstallation of PEl's firtNICAL ENGINEERING • GEOLOGICAL EVALUATIONS continued from page 23 closed at $I 1.60 per share on Feb. · SEISMIC SnmtES Symitar Symconnect® software services are offered online; our new • S . • s LOPE sTABILITY" fOUNDATION DESIGN' technology platform was built with cha\ed wtll depend on market condi­ 20,2002. l Q40 Orange Tree Lane UBSURfACE INVESTIGATIONS • ENVIRONME.'IT:\1. ASSESSMENTS utilny, RCCU built an automated tions. The company tntends to "The stock repurch"e program Redt.nds CA (909 J793*2691 underwriting system through thiS 10 mmd." RF-'iiDESTIAL &Cm.J~tf:RCIAL SrrE DH'ELOP~fE:\'T HIGHW'\Y DE$IC~ -.~o www. kletnfelder. om finance the purchase\ U\1ng its avail­ w1ll prov1de addittonal tools to effi­ CONSTRtJCTJON, WATER f..\CIUTIF.s, PORTS AN~ HARBO~ FACJ~J;;F:~. E.xperian 's "Fast Start Model" and Withtn the year, RCCU w11l able cash. the company corrently has ctently utilize the company's cap1tal 1.800.253.4567 mterfaced it with lis Sym1tar® opcr­ implement two more phases to ib 3,907,439 shares of common stoc~ and enhance shareholder value," atJng system, bnngtng together It> online instant loan application r.,erv­ Tr~~rcvt" I Cun•o S-'"'TA c~.,..n,. 1 \\'rsn u:r \'u 1 Af;f_ outstanding, and tts stoc~ pnce sa1d Alan J. Lane, CEO. member..,· current account mforma- ICe: online mstant payment proJeC- MARCH~ 'T' PPO' 1'\l.l .I> PAGE 34 • INLAND EMPIRE BUSINESS JOURNAL \I \l(l"JI 211112 The • op s The Top HMO's Htwl.ullh l11ltllull IIIJ11n I 11mllmf 111

Hani.HIIh JnlamllmJIIf• Jwo/llll: (;n~pU TI!Ir Addrtt~ l'bonu Comp.&nJ"'idrii•"'P· J.fC OfTk<> P11)sicial\.'t Lt., lleadquarten \dd lnlaDd ~mpirT \1odd l)pt Inland 1-'mp. PhontJll&\ Compan)'~Aidt • \1a.lltddf'ftl Ph,,acull\u. llcl'p.l .• tity!Statd'Z.Ip f'tl) iciaM Compan)"ldt har hunded U (II\ talti/ip l ompao~" Mff U tmpk)~m l'ompanp•Mk F.\to~il \ddi"H! Tot.l Drflct'l Pb)Wci.l~ ('ompan~"'ldt u.... p.Toul Ricbud M. l'ompann•idc F.mpJO)tn hd. Qualirlfd'! " Coiumb Maskt..r lb .w~.:·n Kalltr P'maaulntlc Mtdical lnakf' .. 8 I ll ~~~~l~~~:~~,l ~~~~Mgt CCN 2.b"l N.l.lll\tl~ "T1'Il n:o M~C... 2 8«m1lh1h, CA 91'61 VH9.7fl:! (909) H90..t!O; 904163 l8 ~ Bcmardioo. ( A 9~408 I ·:X.l Mkbd}ll McC'o,tn 21 CappCart.ln..: 71.7b0 ll llooakl A. \\ iJitlt.mt Capp Cart, Inc. '-it'o1o'fl'W11kach RcponalO.rectorof~lc$ Mu.td \todd ~N~«l. IP.o\ ::! S03 ~·- 136.7.'0 Prnldenl UI~ Cros. Etil To..,tr. 501'(1 811Cb St SlC 4!0 3 5 mrlhon 19-19) 955..62511440-6674 5. -.c.-.rc.llhnii4,._Co.J 1.111 m lO 4. 21K.loq 1'187 '75 1813) J01.JJ9Y70l·~S C mssa.-s.. ~.1Jl' Nt..,pon fk.:h. A 92660 -ltilb.CA91l67 -Md)aoold ~lA IUchard Bruoo RIPt Shi!Cid of C A ...... Eepin Htahll Plu 18~.lMKJ IPA SJ.tJ)} BlwSI>ItldolColifonio SJnh·.tf~CUC!l,CA Ou.:tmt Maaqer 303 E. Vilnlkrb!.lt 'WI), Sk 4(X} 2l~· 2l CEO •• .. IIS.S,COO ~45 JIJmlliiI.4U9 47,00J 1714) 971 33511972-3390 -c...a-- 21.411 6. 2.w9 Cammo Ramon 1'181 San Ramon. (A 9-15Kl -CA-CJpo-...oiColll. 10.000 IP.\r.llrtwcrl 15 NIA Bud \'olbtrdin& 110 L 50S N Brand Bh·d 100.000 0 16S Pt«odenl 0 Gleadalt. CA 91203 lOO N/A (8181100-62621100-6480 Olllkdlloal.....,.oiCallfonlla.ID<. 1~.201 2.181.567 30.\W 18.000 1, 4500 E. Pktf1c Coc.c HY11 Ste 120 0 Lull& Bca.;b. CA 901!04 Danid Shedir •• 24 ~lA l"i.CO) 1nterplan Corp. 1.1«:1' Su)l.:\.ton.CA 1 1 1 12111llli (:!(}q) 411 C.llf473..Qii6l I ht Boo~ ol I i"1" .1\olilo~hh· on Di .... ~. (.Ill JU J--IS-I- J76:' or Do\\lllo.ul '•"' lrnm \\\\\\.l'upl i .... t.tnln 8. 2575 Grtnd Canal Bl\d, 2nd 1-loof ·~ J.4.125 ••s-a .... ,.. lllld'pbnawp.l-onl SttX:ltt)ll. CA 9~201 - ...... £.ltolla.I'II.D. BPS Htallbcart 11.660 l'lald 1>-u.s_jo-u.r.-:..al.com SS!JJO I lOti (90'1)89().41 4163 650 f lkriptbht)' L'-i 10. I 4)_l(lli San Bem3:rd no CA 9::!408 ll ,__ 9 Pru ~et•ori. I lOS ,C\loMl NJ 120 (1!18J 992 20'1ll'l91l474 II. 5!00 Caoop Avr: :!1,91)0 1991 Real Estate Notes Steelscape's Washinton Site Y.ood1and1hlb,CA 91~1 - SUIIIn llaUrit continued from page 20 Less Center 10 Corona for 'A Prudcoi.Wins.Co continued from pa/ie 30 I hem deliver larger coils to 1he1r cus­ Prufart or C111ir~nil Ontario office of Marcus & $5,150,000. The property is an 1200 (SIS! gq~.lOilV!26-302S Zincalume® Lme to load Cold­ tomers. Steelscape takes conunuous 12. StAAJCaoosaA\r -110'' 3 191!l> Millichap Real Estate Investment approximaJely 57,231 SF retail cen­ \\oodlandHtlls,(A 91367 Brokerage Company. The propeny Rolled Full Hard coils weighing up 1mprovemen1 to the1r products and ter and is located at the mtersection 21 h.'IIICarc Hntth S)'*llll. bx;. l-Wioe to 55.000 pounds onto the coil pay­ services seriously. Only through l.162 sold for $3.300.000. The princ1pals of McKinley and Magnolia Pol!lce equ1pment sen\illve enough to or "screwy?" for modesty. I will cla1m to have Contracts Makes Company One NAMM California opera11ons. assets and management contracts of Profess10naiCare Med1cal Group in The Wine Cellar detect this \tuff has been 1nvented to At wine competitions, where lit­ taught more people what 246-TCA of California's Largest Health brJDM Medical Pathways, Inc., a Cerritos­ Santa Ana. Orange. Montebello, NAMM offic1als said the trans­ help solve one of the great mysteries erally thou>and' of bottles are smells like than anyone in the hlc.,to­ Care Management Organizations What Is That Smell? based health care managemem com­ Whittier and Anaheim, San Luts actiOn will have no effect on the of 1he w1ne world. Though we still opened oser a period of a few days, ry or the world pan}. relationship between members and Have you ever opened an expen ­ ObiSpO Select IPA in San Lu1s event directors find anywhere from It all started way back 10 the '80s Agreement Includes Physician stve boule of wine to 1mpre'>s gue'>ts Becoming a TCA expert will Under the terms of the agree­ Obispo and St. Francis IPA Medical the1r personal physicians. two to five percent of the boltl!!s at Groups in Los Angeles, Orange, (maybe the bo,g?) and had it 'mell give you the confidence to When wine professionals ment, NAMM California acquires Group in Los Angeles. Downey and "While we are very well estab­ least slightly "corky." Keep 1n mmd Riverside and San Luis Obispo somethmg like a cave full of bat the manugemenr contracts of seven Lynwood. lished in other pans of California deal with that snotty waiter that we're dealing wllh professional encounter the smell (which Counties guano? Medical Pathways' managed mde­ The medical groups prov1de care this acquisition represents an excel: who doesn't know as much tasters, able to detect the problem at invariably affects taste), Or perhaps 11 wa' your big pendent practice associations (I PAs) to managed care members through­ lent opportunity for NAMM as you, but just doesn't levels far lower than most con­ they refer to the wine as North American Medical seduction )Cene, with all the perfect with approximately 167.000 man­ out Los Angeles. San Luis Obispo California to expand its reach into sumers. Still. it's a serious problem. Management (NAMM California), foodstuff' favored by the object or want to bother taking the being "corked" or "corky." aged care members. The California and Orange County, and will collec­ the Los Angeles and Orange Counry Pan of the problem i' that not California's sixth largest organiza­ your affection, and the Chardonnay wine back_ based !PAs mclude Downey Select tively make up NAMM California's markets," said Rene Moret, presi­ enough people recognize it for what when the folks at Scott Laboratones tion that provides medical and finan­ don't know for sure how it develops, IPA Medical Group in Downey. new Pacific Region division. Also dent and CEO or NAMM California. smelled and tasted like a 'tack of it is. They blame the wmery. the (a company which services the wine cial management services to more wet, moldy cardboard? Noble AMA Select IPA in Garden included m the acqUJsitJOn is West "Medical Pathways has an outsiand- theories abound. wine type. or the winemaker. for mdustry) first showed me the scien­ than 2,000 California physicians. has Grove and Santa Ana, P10neer Rivers1de IPA 111 Rivemde, which Maybe you've been in a restau­ What we do know IS that it continued on page 55 what is caused by a b1t of wood bark tific studies 1denufymg 246-TCA as rant. entertainmg your m-laws. and affects (mfects?) cork closures of costmg a few cents. If people could the major culprit m what we had all you order a wine you lnow, that you wine bottles, and perhaps even some recogn1ze 246-TCA for what 11 is, been calling "corky" for decades. drink at least once a week, and it wooden casks in which wine is aged. the wme could be returned and Scott agreed to make up tiny Great Hospitality Service smells like your grandmother's root I should hasten to mention that replaced with no great harm done. lab samples of 246-TCA for me, cellar and taste> like the din floor? there are no health hazards connect­ I'm doing my part. Never noted Begins With a SMILE! And to make matters worse, the ed to 246-TCA. It won't make you continued on page 48 snotty wa1ter named Maurice insists sick, though one could probably by Marla Benson, author of "The acronym called SMILE. that the wine is just as it should be? exaggerate and insist that the smell Coming Soon Professional Guest" Well Bunky, you've had a very of intense examples is nauseating. Having conducted more than S ... Sincere Service close and personal encounter with When wine professionah 700 semmars in 48 states and stay­ Sincerity is one of the key ele­ Wine Selection 2,4,6-Tricloroamsole (246-TCA), a encounter the smell (which invari­ ing some 120 hotel-n1ghts per year, ments missing in many service situ· ••• Sneak Preview ••• chemical compound "0 stinky it can ably affects ta\le), they refer to the I've wllneS\ed firsthand the Good, ations today. No matter what buSI­ be detected by humans at levels as wine as being "corked" or "corky." _, & Best Rated the Bad. and the Ugly of customer ness you're m, you're m a service low as 30 ppt (that's 30 pan per tril­ (Though It IS unlikely to occur. do serv1ce in the Hospitality industry. I industry. You're always serving oth­ ...-1 by Bill Anthony lion). you suppose they would call a founded Hospitality U Seminars & ers, whether they're external or Coming in the April Issue It has only been a decade or so screw-cap \\inc so affected, .... crewcd Workshops to help upgrade the level internal customers. EDITORIAL FOCUS of hOle! customer 'iervice - from ...... $25.00 Late Harvest MEETINGS AND CONVENTIONS When I walk mto a hotel (or Husch. AIRPORTS my unique per\pective as "The restaurant, retail estabh\hment, Chardonnay Zinfandel ...... $24 WOMEN-OWENED BUSINESSES Professional Guest." etc.), I want to know that I'm gen­ Lessons In Etiquette 1998 Specwl Reserve, 1999- Scherrer Vineyard,, TRANSPORTATION II your spoon will be placed next to RETAINED EXECUTIVE SEARCH FIRMS Why is that 'I'm much more uinely appreciated as the customer. by Margaret P De\•ele_y, De\•e/ey Cal1fom1a Sonoma surprised by excellent service at a This is so immediately obvious m lntemational Group the kn1ve,. Any fork or spoon Estate Boll led Valley, California hotel than when I receive mediocre the attitude of employees. Do they Who Took My Spoon? placed on the top of your place set­ SUPPLEMENTS Zinfandel...... $10.01 to $15 service') Has mcd1ocnty really seem genumely mtercstcd 111 helpmg I belong to a group that holds a tmg is to be u\ed for dcs\crt. Hop Kiln...... $11.00 WOMEN AND BUSINESS EXPO 1998- Kendall-Jackson. MEETINGS AND CONVENTIONS become 'iO much the norm that you? Or JUSt gcttmg you out or the dmner mccung once a month. To Your napkm i'i the one dis­ Rosa Bellissima Callforn1a TRAVEUHOTELS/TOURISM excellence has become the oddity? way? my surpnsc, I seem to nouce that played mSJde your coffee cup or 2000- M. Griffen Vineyard SMALL BUSINESS HANDBOOK Grand Reserve This question of excellence At the hotel 111 Cleveland, when when we SJt at the table, there IS your wine glass. But there rd, but cup will always be on your right what you arc missmg to you. Barrel Aged inars called "7 Seconds to Connect," Port...... !>32 ny qualifies to be included on any of because I don't feel that I rece1ve Your bread and butter plate "1ll 1999- Delicato,Callfonlla DEADLINE I explam that 11 takes just seven sec­ 1998 Guenoc Valley. Cailforma The /)('\'e/cy lnlt•nwllonal the February lists and you have not excellent semce often enough. onds to create a first impression. al"a)S be on your lelt. and al>~e, woth ue~ needed for dming m on a week enJoyment. • 56 percent of employer matches income... ny stock os $57,000. compared to company stock Of all plans with For a weekend getaway or for a antique \tore~ . cuno ~h o ps. candy end. or e\ en a longer stay. You can In warm weather for the swim­ are m cash. 44 percent in stock The report also found that par­ $40,000 for plans without company company stock. Fodelity found that week's vacation. the place to go i~ stores, and all the dinong facollloes also order m; some re~o,taurant~ will mers on the famoly, there os a large • 26 percent of assets are held m ticipants in plans with company stock. 'ii:il ___ccmrinued on P

MARC H 2002 INLAND EMPIRE BUSINESS JOURNAL • PAGE 41

Starler :\· Bc.\1 Entertainmelll Bets _ s. Earl Statler is the Inland Empire Busmes!) Journalt..•fl/l'rtainmenl critic and reporter and has Help Support the Rancho Cucamonga been the t..'nlt·rtaimnem ediTor of the "Inland Empire TV Nnu .. for the last fh•e yean. Hl' has reported the Inland Empire emer ~ tainmelll scene for more rhan 30 vean and is aho an accomplished swge and TV actor. as wt!l/as an intematimwlly-kllou·n magi­ cian and mentalist. Check our his emertainment \\-fbsite ar wH·u :StmlerTV.com or \nnr trm•eltrends. ws. Library Foundation's Telethon 2002 Across the Inland Valley, bands to raise $50.000 to ktck off a cam· Gardens Mall. designed to \t:r\e the Archibald Ltbrary, and plans are are tuning up. danc1ng shot.!s are get· paign to raise mone) for the pur­ east portion of Rand10 Cucamongu.. under-..ay for spectal focus groups ting a poli sh, and s1nger\ are practic­ chase of children's books to Jill the The Yictort world of opera over the last I 0 years continued on f}{t)ie 55 Cucamonga Library Foundation, -- PAGE 42 • INLAND EMPIRE BUSINESS JOURNAL MARCH 2002 PAGE 43 • INLAND EMPIRE BUSINESS JOURNAL MARCH2002 Growth and Technologies of Plant Equipment, Inc. continued from page 30 facility in Temecula where manufac­ there but these thmgs have to be Mtcrosoft to name a few. Accordmg Outstanding ular ANlJALI retrieval system bring­ turing and research take precedence. tried and tried ... we are on the to Torrens the hope is to upgrade 9- Our doctors practice on ing enhanced (E) 9-1-1 technology And much of PEl's research has doorstep." 1-1 systems from phone-based, Indi­ to the forefront. Thts MAARS-View paid off, for example the MAARS Being in the mission critical vidual pieces of equipment (propri­ system is responsible for displaying system was designed back in 1989 application industry, all systems may etary pieces) to be consolidated into Main Street, not Wall Street. the emergency caller's phone num­ with Y2K, the "millennium bug" in not be fail-safe, but PEl's systems (one) PC, mouse, etc. Torrens adds, Quality ber and address location on the com­ mind. According to Torrens, "We may be the closest to it. A large por­ "After all, we coined the phrase puter screen, enabling "point-and­ have every confidence that there will tion of the company's products have intelligent work station, Computer click" functionality to enter the 9-1- not be any problems. MAARS is a been in use for more than 20 years Telephony Integration (CTl)." 1 call-center. series of micro-processor-based with little down time or mainte­ PEl has been nominated by Shouldn't yours? Less than I 0 years later, PEl was modules set to go to the year 2099." nance. Torrens states, "If the power Microsoft for the "Computer World responsible for another technologi­ The time may not be far off were to go off there is an automatic Smithsonian" award, in the public Healthcare cal breakthrough with VESTA, a when the 9-1-1 system may actually backup; these computers are on a safety category, specifically for the Computer Telephony Integrated be able to recogmze key words in modular destgn system, if something Dallas, Texas regiOn. (CTI) product that removes individ­ speech, thereby deploying the cor­ goes wrong with one. the others are With all that has happened in the ual items of technology from the rect emergency serv1ce. According still up and running." The company past, the future looks just as promis­ desktop thus .allowing for computer to a recent statement made by also boasts an unmatched customer ing, according to Torrens, "The COll)­ integration. But the technology driv­ Fuller, "!magme a 9-1-1 call-taking service, with continuous 24-hour pany " growing at a great pace." By in the en company did not slop there, in posillon (PC) capable of recognizing support. PEl also has a full ltme 1998 they are hoping to reach and 1996 they introduced MagiC, a such key words as "murder," "fire," research staff of technicians "whose surpass $30 million. Currently, the telecommunication software pack­ "gun shots," etc. This capability will job is to break things" comments company employs approximately age used for MIS reporting, and greatly enable the "system" to pro­ Torrens. 170 employees in Temecula as well MAARS-View for Windows. A year actively alert other agencies and Besides the never-ending search as some 15 or so off-site sales reps in Inland later that system was enhanced to resources of such an event." Just for new technology. Plant Northern California and Chicago. 32-bits for desktop applications, and how close PEl is to this day is Equipment, Inc. is focusing on The question may now be, how once again Plant Equipment, Inc. unknown at this time, but Torrens developing software for computers, much further c:u; they go? relocates to a 45,000-square-foot urges caution. "The technology is such as Hewlitt Packard and Empire Mold Giving Headaches to Library Foundation colllinued from page 41 located at 7368 Archibald Avenue Insurers and Homeowners planners hope that the Telethon and is open Monday through event will raise $50,000 to help kick Thursday, I 0 a.m. to 9 p.m., Friday May be Excluded From off a three-year campaign to fill the and Saturday, 10 a.m. to 6 p.m., and •Physician-owned local network focused on Coverage new branch with books and comput­ Sunday I p.m. to 5 p.m. Since meeting your health care needs ers, as well as providing support to continued from page 39 a close eye out for water build-up or the several literacy programs the Spill Prevention damage, and get tl repaired quickly escrow companies and others." library offers. contirwJfrom page 32 before mold starts growing and A more likely possibility is that To help make this project hap­ reguJ'!I"tions. Our goal is to prepare spreading. "A prudent property • Choose your own family doctor premiums will escalate significantly. pen, pledge your support to the an accurate analysis of the potential owner should repair the damage One insurance company says premi­ Library Telethon during the show by for equipment failure resulting in an 1984 ums could increase as much as 40 immediately and concurrently notify dialing (909) 944-READ or in oil spill, and its predicted behavior, the insurer to determine coverage," • Over 200 local physicians to serve you percent to handle the volume of advance, by mailtng your contribu­ in order to assist our client in devel­ she recommended. Mold claims are claims stemming from mold. tions to the Rancho Cucamonga oping preventative measures to min­ only covered if the homeowner can Homebuilders are feeling the Public Library. Donors to Telethon imize the potential for an incident to prove the mold is the result of a • Most major commercial and senior health plans accepted impact as well. At the recent 2002 will recei-ve special "thank occur. "covered peril." In most cases, the International Builders Show in you" gifts for their donations, KJeinfelder is a $140 million "covered peril" is damage resulting Atlanta, mold litigation was one of including selections of choice wines environmental and geotechnical from a leaking pipe inside the house. Riverside the honest topics, along with new or a book for donations of $50 and engineering, construction manage­ "Read your insurance policy construction techniques that control above. Incentives are provided by ment, and materials testing firm carefully," she advised. "Not all Physician moisture and head off mold prob­ Bill Anthony of the Inland Empire with offices throughout the western water damage is covered, so don't sit lems. Business Journal and Brodart, Inc. U.S. Our regulatory specialists have back and let mold prolifemte while Network Owners of commercial proper­ Throughout the event, special prizes extensive experience assisting our ties, already reeling from insurance you wait for the insurance carrier to will be offered by local merchants, clients with Clean Water Act and Is an Independent decide if the problem is covered," premium increases due to Sept. 11 , including gift certificates, and free other environmental compliance she concluded. face even more increases due to restaurant coupons. issues. We prepare SPCC Plans for Practice Elkins/Jones is a major business mold concerns, Jones believes. "Our Should you have further ques­ a variety of industrial, agricultural, insurance brokerage agency spe­ clients are seeing rate increases from tions or inquiries about the Rancho and commerctal facilities. For more Association ( IPA) cializing in commercial property 10-50 percent!" Cucamonga Public Library information, contact Joseph Aldern insurance. Based in Los Angeles, the Jones advises homeowners and Telethon, please call (909) 477- at KJeinfelder's Redlands office at Call us to find an RPN doctor near you 1 (877) 776-8066 firm serves property owners commercial property owners to keep 2720, ext. 5040. The Library is 909-793-2691. throughout the country. PAGE 44 • INLAND EMPIRE BUSINESS JOURNAL MARCH 2002 MARCH 2002 INLAND EMPIRE BUSINESS JOURNAL • PAGE 45 Residential Real Estate Brokers Nau/..(•d h\ \ mnhf•r of Of/it e~ m /ulmull.mp1rt Residential Real Estate Builders Serving the Inland Empire J Orrict~ M .o\gtnl~ Salts \olumr \ur •·oundrd Speclahly Top Local b:ecuthe Add res~ Inland Empire Inland [mpirt 1998 Inland lmplre Tillt Htutlo.t•dh.\ ~a ft'\ \ ulume Cit}. State. Zip Phone/Fax Compan)"idr Cloud E.scro" Hudquartcrs Ftrm (Gross$ Amount) E·Mall Address Sales$ Sales$ umber or Units Units Constructed in 2000 Year End Top Local ExecutiH Cohlw~ll Baabr Rul Estate Corp. B 592 WND 1906 Fuii·Ser'-·U't Rn1dtntlll Mllo.t Lanuster Address Inventory Tille I. b S)lvao \h) 3.000 2000 Volume 2001 Projeclion Tollll Single Apts. Condos/ Pauippac~. NJ 07054 ~er~~;·J 7~~~~~c;j6~~~7~rg•on City, State, Zip Family Town Homes Phone/Fax tmeyer@coldwellbaok:er com O)son & Dy oo Rul Estate Associatrs 6 85 1998 Htgh ·End Rt>sident1al Sales. Robert Dyson E·Mail Address 2. 74-910 H\lo'y Ill $30,886.210 15 Sao Diego Escrow Managemenl. Pre ~ 1deo1 lnd1an Well\. CA 92210 Conc1erge Service (7 60) 779-53531779- 9123 Ltw!s Homes $720,000,00J $800,000,00J 3,634 3.634 89 Jay Moss bob@d ysonaoddysoo.com lttktr.lr Becker Rtalty 1. 1156 N. Mountain Ave. Pro:sidenl J. 100 $200 million 1981 Re~Jdeotial Sales PdeBrt'k:er 44311 Monterey Ave Owner Palm Desert (~) 802-1101/629·8691 Palm 0e3ert. CA 92260 (76ll) 346·55931346-4078 Upland, CA 91786 RF'JMAX of the Dr.sert 97 $408 mtllion 1995 Residential Lorenzo Lombudrlli .. 72608 El PbtO, lt4 Re sident/ Brol er The Forecast Group 327 ,OOO,OOJ 357,500.00J 1.610 1,610 Mtnimum James P. Previti Palm Oe,erl. CA 9:!260 (76()) 836 18721836-3 227 2. 10670 Civic Cen) Apple Valley, CA 92307 Owner Carlsbad, CA 92008 (760) 603-8001 /603-8005 (760) 24 2 722 112 42·7226 Pndtafial CaUforaia llnlty 85 $122 million 1Q88 ryland .com 6309 Maanoli• Residentiai!Commercial Real Esuue Robert Brauo '· Ravenide, CA 92506 Rhenide Property Management OwntrJBroler Ctotury 11 Fairway Really, Jnc. (909) 787- 7088n8H.l97 Cmrury Crowd! Cooununicalioos I OO,OOO,OOJ 122,640,000 453 453 23 J. Pavelak/11. CroweU 50 $71 mdlioo 1964 Full -Service Real Estate 10. 18484 Hwy. 18, It ISO Janie Phillips Victomllr CWEO, Apple Valley, CA 92307 Sales and Relocation aod Owner/Broker 5. 1535 Soutl1"D" St, Ste. 200 Property Ma.nagemefll Raacoa Real Estate (76ll) 242361712<2 ·8482 (909)381·60071381-0041 so 1971 San Bernardino, CA 924{)8 II. 27740 Jefietson Ave., Ste 100 Fuii-Semce Mike. Dlaz Temecula Real fu;tale Temecula, CA 92S90 Yice Pre~ident cenruryvmtagc.\:om (909) 676-57361699-0387 Coldwell Banker Khett· Teeters 33 WND 1982 12. 3654 llO E. Htghland Ave Full -Sen-ice Residential Garey Teeters US. Home U>rp. Centrnl Calif. Div. 74.000.000 102.00J.OOJ 287 287 43 Michael j. Lutz Highland, CA 92:\46 Broler (909) 889·0621 /862 · 1251 Dtvision President 21 6. 8577 Haven Ave .. Ssoc f8' o.ol.com a.,..,aea~t1 WND Newport Beach. CA 92660 (949) 640-9090f72l-9652 61 17 Brocktoo Ave .• Su:. 211 VA/FHA. Repo~ Ro~rl Hucbes Rinrnde. CA 92506 Pre~ic.ftnt 42 John R. Young "· t909) 71U 16001781 17M Young Homes 27.400.000 38,500.00J 184 184 Prudutial Callroraia Rulily 6R S219 mtl11on 1991 20. Re\ldentud/ColfJ_mercial Real E~lat e Mel Rudman President 12· 151 Fn:d W1nng Or NIA 10. 10390 Commeree Cenrcr Dr.. S 792-4147n92·0!I01 Scott Stokes World Development, Inc. l4.050.00J 51.00J.OOJ 62 62 ~c~~nnon(ltoco.dwellhaoker co Coldwell Banktr lal.. d Broktn Really 30 WNO 19X6 Executne VP 26. 600 Centul Avt , Ste E Ron Restad 14. 74-333 Hoghway Ill. #103 LU.e Ebtaort, CA 92$30 Broker (760) 568-2955/568-4335 (909) 674-86)11674-¥639 Palm Desert. CA 92260 -LH.. -.,.- Sl9.671.600 1975 Salb Exelusi'o·ely in Sun La);;e, Joyce MtRH sJokes@~>orld-de>elopmentcom 21. 300 S. HopiiUid Spnop Ave .• S... 2K Baonin& Bu•••J. CA 92220 Country Club Broker/Owner (909) K45 7378/!145·7179

WND :a Would NM DiJcWu NIA. ""Not AppUcablt raa = 1101 al'ailablt. Tht informatiOI'I in t~ a/'OI"t' !rrt was obuUntdfrom til~ t"Otnpam~s I1Htd To tilt• bt.'st ~if tmr krwwlt'dgt tht iltjormat1on ~uppli~d is affuratt' as i,k. Call '){lt) • .tS.t·')7(o5 or Do\\lllo.lsweet and sour, raspberry with special seasonings and basted sw~rls with a shot of Cruzan Coconut Kraft Nabisco Championship Nabisco Championship's tourna­ The 2002 Kraft Nabisco special appearances by tour players. with their own Kona BBQ sauce Rum, at $5.95, or the Ivory Coast Tournament Director Terry Wilcox ment operations team six years ago. Championship kicks off on Mon., Tuesday and Wednesday are also (served with coleslaw, French fries Margarita. elephant-sized, premiUm has announced that Gabriel Codding handling a variety of projects and March 25, with a practice round for Merrill Lynch "Senior Appreciation and cinnamon apple relish. at $14.50). has been appointed tournament oper­ assignments. He also served on the Try the Mediterranean Vegetable margarita with Sauza Conmemorativo LPGA players and the finals for the Days," with adults 55 and older In my opm10n the beSI dish ... Wok­ ations coordinator for the LPGA golf Pizza. tomato basil sauce with roasted and sweet and sour (hand-shaken on gperations team for The Skins Game Toyota/Nabisco$! Million receiving free admission to the Seared Shanghai Cashew Chicken. a tournament. for four years and in a similar capac­ garlic • Parmesan cheese, art1chokc the rocks and topped with Grand Hole-in-One Contest Finals and Pro-Am. Starting Thurs., March 28, tasty combination of chicken. Chinese Codding 'will oversee all opera­ ity at the Asahi Ryokuken hearts, roasted red peppers, Kalamata Marn10r at $5.95). You will not be Celebrity Hole-in-One Contest for through Sun., March 3 I, the profes­ pea pods, pineapple and roasted tional aspects of the Kraft Nabisco International Championship in North Charity. Both events are free and sional golfers and leading U.S. and Oli\cs and sundried tomatoes-~~fin­ disappomted with your VISit to the cashews in a ~weer and sptcy sauce Championship, scheduled for March Augusta, S.C., for one year. A former Jshcd with mozzarella and feta cheese Elephant Bar located at4949 s. Pl:v.a open to the public. international amateur players take served over steamed ~,~.hire rice, at Lane. Montclair (909) 621 15 25 - 31, at Mission Hills Country resident of Roseville, Calif., An exciting field of sports, stage the field for one of the toughest bat­ at S8.50. Mj favorite (~ell, two) .. the $10.95. 09 Club in Rancho Mirage,. A longtime Codding lives in Rancho Mirage. and screen celebrities from around absolute beS! pork ribs in the Good food. great prices, large sen. tles in all professional golf. Juniors Thir>ty''· Rumble m the Jungle associate of the tournament, "Gabe has proven his ability the world will Join the other Pro-Am 17 and under are admitted free area. Kona BBQ Rib;, a full-rack, S!. ings anti a fun atmosphere. On a scale Tropical irl-mango, coconut. Sv. of I to 5, it's,, solid 4.5 try it' Codding will be responsible for the many times over with regard to what contestants for fun and pride on throughout the week if accompanied continued from pagl' 18 overall site preparations and physical it takes to ensure the smooth, suc­ Thesday, March 26, and Wednesday, by an adult. ny stock (an average of 25 options) 26 percent of assets are in it. emphasis on education about what a set-up for the even!. The Kraft cessful operation of a major profes­ March 27, during the annual two-day For more information on the than among all plans ( 14 options) lhrough the administrarion of more It is Important to note that large plan is and how to diversify invest­ Nabisco Championship is the first sional golf tournament," Wilcox Celebrity Pro-Am. Kraft Nabisco 2002 Kraft Nabisco Championship and those without stock ( 13 options). than II, 100 retirement, pension, holdmgs of a smgle stock introduces ments to achieve the savings goal," LPGA "major" of the year and one said. "He has been a very important Chan1pionship will also sponsor its or to purchase tickets or merchan­ hea/rh and H'e/fare, human resources a significantly higher volatilit) risk "Education. Information and Hopkins said. of the most prestigious and member of our extended tournament popular Junior Golf Clinic on dise, please call the Tournament chorce comprrse the backbone of the administration and payroll pro­ to. a participant's portfolio, compared Fidelity Institutional Retirement longest-running tournaments in all family and we are proud 10 have him Tuesday at 4 p.m. Free to children 17 Office at 760/324-4546 or log onto 401 (k) system," Hopkins said. grams. Fidelity Investments is one of wtth a portfolio that is comprised of Services Company is parr of Fide/ifl,· of professional golf. on board as a permanent addition to and under, the clinic is conducted by www.kraftnabiscocharnpionship.com. "Most parttcipants are implementing the world's largest providers of a completely diversified holding. Employer Services Company, whici Codding joined the Kraft our staff." LPGA teaching professionals with on the messages about asset diversi­ 1 financial services with custodied Addition~lly, investment choice pro~·ides retirement, human fication. Sponsors and admmistra­ assets of $1.4 trillion, including JS greater among plans with compa- resources and benefits solutions to tors should contmue their heavy managed assets of $876.7 billion. 11.2 million AmPriran workers Se~vice Begins With a SMILE! continued from 36 Not true. Instead of telling me request, no new situation that can live guest personally, not only for it takes /2 positive interactions to that I'm all set, how about asking ever occur because they've been your own mental health, but also so COME SEE ANd EXpERiENCE rkE u~do one negative. I don't know me? A simple phrase such as, "Is there, done thai. Not true. So, don't you don'ttake your anger out on the ll about you, but if I don't get a posi­ there anything else I can do?'' would nod your head as if you know what next guest. I've been that next guest tive first impression, there probably be great. Then I wouldn't feel dis­ they're about to say. LISTEN getting the curt, unfriendly service New York Grill'" fRESk look of AN old TRAdirioN! won't be a second time, much less II miSsed, and I wouldn't feel as tf I'm ACTIVELY so that you can take care because the service person just got more opportunities! So what can be annoymg them, imposing on them, of that guesl. You never know emotionally clobbered by the previ­ 909 I 987~rgz8 done during the Meet & Greet to cre­ because I have more business to con­ what's coming next. ous guest. I know that! deserve bet­ The Sycamore Inn continues ate a positive impression in those duel. E ... Emotional Control ter than that and so do all guests and 950 Ontario Mills Drive, Ontario first seven seconds? Many elements I frequently have several other I see this one frequently. A serv­ customers. . Mon I Thur II:3o a.m .• ,30 p.m. 9 factor in, bull think the most impor­ questions relating to my program the ice person getting angry, hurt, or It's a simple cliche, but incredi­ II.'30 a.m .• IO:)o p.m. • Sat 4'30 p.m .• I0:3o p.m. with new owners and some changes ... :rt bly overlooked-Treat guests as you tant are a sincere smile and positive next day. What meeting room will I upset in reaction to a customer. un 4·00 p.m. • 9:30 p.m. • Reservations Recommended body language. be in? Would they please check to Customers come into establishments wish to be treated, whether at the What is positive body language? see if there's a fax waiung for me? with their own emotional baggage. supermarket, dry cleaner or restau­ It's New York without the attitude! Thrs award winning Now f~at_uring Prime Steaks, Chops, Seafood, and other Good eye contact (without Then I will be "all set." Questions Sometimes they're crabby, unhappy, rant. No matter what business restaurant is where famous fare is finely defined. Our menu sp~~~alties. Superb salads, signature side dishes and staring); instead of assumptions. or tired for whatever reason. That you're in, incorporate SMILE into Good posture (no slumping or L ... Listen Actively reason usually has nothing to do with your day. You'll not only see posi­ features prime steaks, Australian lobster tail, garlic roasted LUigr sf~~ous minestrone soup complete the menu. slouching); Good listening is not an option the service they are now receiving. tive reactions from others, but you'll chicken, rack of lamb, prime rib and fresh seafood The tradition of the Sycamore also continues with an Open JlOSture (no arms folded - it is mandatory. How can the cus­ I'm certainly not suggesting that feel happier in your everyday inter­ across the body); tomer be served properly tf not lis­ there's any excuse for bad behavior, actions, as well. specialties. Join us for jazz in our Manhattan Room where excellent wine list including over 20 wines by the glass. These few body language tips, tened to? Active listening requires but jet lag, airline delays, and height­ combined with a sincere smile, are a hearing the message and factoring in ened security don't make travel the Marla Benson and Hospitality U acclaimed amsts have made us the Inland Empire's most truly powerful combination. the customer's body language and pleasant experience it once was. So Seminars & Workshops may be intimate jazz experience! We take care of every detail with I ... Inquiring Mind vocal tone. If the message isn't people may not be at their cheeriest reached at 909/338-3199 or e-mnil Inquiring minds want to know. clear, become an "inquiring mind." when they walk into a hotel. [email protected]. innovative menu items, specialty dishes, dramatic desserts, An inquiring mind asks questions of Ask questions of the customer until It's important not to take a nega- outstanding wine selection and entertainment to comple· the customer instead of making you understand the request. assumptions. One of my pel peeves It is extremely important for cus­ @ ment your dining experience - and discover our magnifi­ in hotels consistently occurs after tomer service staff to realize that Complaints ... Praise! Suggestions? E-Mail us cent banquet rooms, perfect for hosting your next event. front desk clerks check me in -they every guest is an individual with abruptly dismiss me with what to unique needs, desires, and wants. 8311 Often, personnel assume they've Foothill BIYd. Rancho Cucamonga Raavations call 98!1·1104 many seems a harmless - "And iebj@ busjournal.com you're all set." heard it all before. There is no new PAGE~ • INLAND EMPIRE BUSINESS JOURNAL MARCH 2002 MARCH 2002 11\LAND EI\IPIRF Bt.:SINESS JOLRNAL • PAGE 49 Executive Notes American Heart IVIANAG-ER'S BOOKSHELF Leading career "en f1rm Lee 1ce~ Components. Lake Elsmore. Association centmtcd goal setting. d1sc1pline. •"A" Ach1esable (espec1ally m loss program. Hecht Harrison has announced the Cornelius. who has been with Thrk Management perseH·mnce. and achievement." terms of time frame), and honest Another m1nor naw is the c:x.:ca­ continued from pagt' 29 promotion nf Bob Kuehn to the and Company for one-and-a half settings adversely affect the blood Platkin <,tructures his book on •"R" Rewarding swnal checrleading that takes place Before exposure to fine particles, position of\ il'c! president and gener­ years. has pl.tycd an instrumental vessels of healthy people." five key princ1ples that he believes. •"T" Tactical (having tactics, in the chapters l"ocu"img on hehavior al manager in 1ts Rivers.de office brachial artery dilat1on 'Aas in Print role m acquiring ne" husiness for Brook adds that more research 1f followed. will break a self-fulfill 'tratcgy. and discipline) modification In his introduction, "h1ch -.ene San Bernan.Jmo J.92mm: after exposure to pollution and the company through his ad\ ert1smg is needed to fully understand \\h) wg prophecy of failure. These Although the author's Platkin s;ud he would try to elimi­ Rl\ er..,u.lt> counlles. In hi-. ne\\ role it "as 3.82mm For the filtered a1r, "Breaking the Pattern: The 5 and ·narketing experti:-.e in the he~tlth air pollution has negative effects on mclude 1dentifymg all your fa1lure approach IS excellent and the adv1ce nate the "yes. you can" comments, Kuehn \\ 111 be m charge of the dilation '"·as \ 1rtually unchanged Principles You Need to Remodel care. ftnanc al o:md hi-tech ... ectnrs blood vessels and to clarify the puh p~Htr.!rns; not being afraid to ri\k 1s, for the most part scn'iible and but many are still there. While 1t's office's overall operation" and main· (1.89mm "- 3.90mm). Your Life," by Charles Stuart true they arc someone else's quotes, To ... upport Cornelius \\ith account he health Implications of the find failure; accepting the responsibility interesungly presented, the book. tenance of the h1gh le\el of quail!~ 'Although the degree of con­ Platkin; Red Mill Press, New 111 that's hke cheating. "'anagement, Jenni :\lurph) has mgs of these initial studies. for the choices you make life: \et has several naws. The most annoy­ 'e"r\H.:e. programs and deli\er, cu ... stricllon ;n and of ihclf is unlikely York, New York; 2002; 271 pages; goab you can v1sualite and pursue; mg one IS the lack. of an 1ndex The The real scf\ icc that Plat kin has hct:n appointed as account manager The study was conducted at the to mer... ha\ c come to -expect !~om a to produce significant problem ... 111 $24.95. and understand that achieving )OUr book. makes cxtens1 \'e use of '"how­ done for us inside is idenufying \lurphy \\ill serve as the day to-day University of Toronto and funded global leader m career 'ef\'lt.:~s .. Dr. healthy individuals, such a constnc goals depends on dcvelopwg to'' Information and rcadcr"i may counter-productive behaviors that client contact. executing brand strat~ by the Toxic Substance Research Stephen ~\!organ. preSJdent of the uon could concei\ably tngger car­ It should be no surpnse that ··action ·onented strategies and tac want to cross reference one area result in failure, and offering mod­ egy. med1a bu)ing and planning, as Initwtn·e. a JOint program of the Cmve:r,Ity tlf La \erne. \\as "'"om dJac events in those tndtvJduals \\hO many books these days arc little ttcs." with another. Lnfonunatel). 11 takes ern day approaches to correct them. \\ell as promotiOns. Ton\ Pinto has Canad1an Federal M1mstries of m as the nc\\ cha1rman of the board have or are at nsk for heart disea!;e,'' more than thmly disguised puhilc Largely because Platkin has about five times longer to accom­ That achiC\emcnt more than makes been promoted from cre;tl\e direc­ Health and Environment. known as for the LeRo) Haynes Center for says Brook. relatic>ns eflons. They often pro­ made his reputation in the area of pli'-ih thi'i "ithout an index. up for the book ·s lla\\ s. "Breakmg tor to \ICe president Throughout h1s Health Canada and Environment Children and Family Senices in Thl'rc arc often examples the Pattern'' ccrta1nly passes the test one-and-a-half years with Thrk and These are the first findings to Canada. mote the authors or their businL'ss setting goals. the chapter on goals is La Verne. Pomona bustnessman show such an effect m people. mtercsts. Despite the fact that clearly the best. He summarites c1ted referring to ,~,-·eight hl'is. This of offenng hanquct-sl.t.ed 1dea"i for Company, Pinto has created award In the United States, the Fred Frehling. and emeritus board Because the ~5 subjects m thiS "Breakmg the Pattern" promotes each clement in goal setting as an reflects the book's promotional the cost of a moderately-priced din­ \\ 1nning coHateral and adveni ... ing Environmental Prmect1on Agency member mst.lled the ne\\ ofllcers. study were all healthy and relatively bit~ of both. somcthmg surpnsmg acronym: S.M.A R.T, exphumng side A'-i suggcstl'd earlier. ncr. campaigns for health care, financial estimates that air pollution con Working "ith Dr. Morgan on the young (average age 35). these happens dunng the first few pages. their meaning as· "Breaking the Pattern" secm'i to be and hospHaht) clients. Finally, in a tnbuted to 60.000 heart-related board Will ~e liN \"ICe-chair. Will results call attention to the need for The book IS interesting. well-writ­ •"S" -Specific and clearly defmed. pan of the public relations effort lor Hcnrv Holr~num new mtemal posit1on for Thrk and deaths in I 996. according to ligures Dale of Claremont; second , ice­ further research on the air pol1ution ten and. above all, makes a great •"M" Motivating and stimulating the author's own interest in a weight Compan). Colleen Finn has been 10 the federal register chair. Patricia Lobello of the Ia\\ problems that plague most of the deal of sense. h1red as pubhc relation~ direttor. Co-authors include: Jeffrey R. firm \!orris, Lamb, Lobello m San world's major cities. Brook says. Author Platkm is an attorney Finn will extend the readi of Brook, Ph.D. Bruce Lrch. M.Sc.; Dimas: treasurr.=r, Ke"·in 1\JcCarth,)', .. Our results are a clear demon­ and entrepreneur. He's had numer­ clients' marketing and advertising Renaud Vincent, Ph.D.; SanJay Best-selling Business Books execut1ve \ Jce pre~1dent of PFF stration that environmentally rele­ ous guest appearances on television plans through public relations poSJ Rajagopalan. M.D.· and Frances Bank & Trust, and secretary. Bob vant concentrations of common atr and has wri~tcn many articles for Here are the current 10 ten best-selling books for business. The list is compiled based on mfomtauon tioning strategy and media relations. Sil\·erman. Ph.D. Mason of R.H. Mason Insurance She has executed integrated market­ pollutants that can occur in urban newspapers and magazines about received from retail bookstores throughout the t.:.S.A .. Managers in Claremont. Darrell goal plannmg methods and tech­ mg and brand pO)Itioning programs I "Jack: Straight From the Gut," by Jack Welch and John A. Byrne (Warner Bros .... ~29.95) (I )*A k111der Paulk, preSident and CEO of the for consumer, entertainment and niques. As a result, he became very Is there is a solution to the Jack Welch reveals why he was so dnven as GE's CEO. LeRoy Haynes Center expressed mtcrcsted in why so many people corporate clients ... Michael T. Wine Cellar "corky" problem. other than being his satisfaction \'dth the slate of offi­ set goals. but didn't reach them. Clegg. distinguished professor of contmuecl from page 37 able to recognize it? Botthng wine 2. "Good to Great," by Jim Colhns (HarperCollins ... £27.50) (2) Climbing the steps from bemg good to cers and tlirectors for the center's During his research, he discov­ genetics at the Umver~Jty of which could be used to make a with screw-cap closures is one, but bt!ing great board ... For the th1rd consecutive ered that there appeared to be an Califom1a, Riverside was elected to sound wme SICk. Once you smell it. it's just so mechanical and unroman­ year, Rick John has been named the almost self-replicating pattern 3. "Who Moved My Cheese?" by Spencer Johnson (Putnam .. $19.95)***(4) A way to deal with change at the office of Foreign Secretary of you'll never forget it tic. I don't think it's an answer in my top producing broker at Collins among those who failed to reach work and away from it. the US National Academy of Becoming a TCA expen will lifetime. Then there are synthetic Commercial Corporation. accord- their goals. They never spelled out Sciences. Prof. Clegg will serve a g1ve you the confidence to deal with corks bemg tried by some wineries. 4. "Fish! A Remarkable Way to Boost Morale and Improve Results," by S. Lundin, J. Christiansen & H. ing to Michael Collins. pre;ident of and mtemailzed them. Nearly all four-year term. The academy mem­ that snotty waiter who doesn't know and r guess they're okay, but my Paul (Hypenon ... $19 95)(5) Puttmg fun and games back into dmly work. the industnal, commerc1al and blamed other people or outside bership " compnsed of approxi­ as much as you, but just doesn't favorite kind of corkscrew (the two­ im estment real estate brokerage events for their failure. 5. "Rich Dad, Poor Dad: What the Rich Teach Their Kids About J\lone)' That the Poor and Middle mately 1.900 members and 300 for- want to bother taking the wine back. pronged Ah-So) doesn't work on firm. John worh out of the compa­ In Platkin 's view, not acccptmg Class Do :-lot." by Roben T. K1yosak1 and Sharon L. Lechter (Wamer Books ... $15.95)***(5) It takes kno\\­ e1gn associates, of "hom more than And any reputable wme merchant them. ny's Ontru-10 oftice ... The first of the personal responSibility for failure how about using money to become nch. 170 have won Nobel Pnzes ... Hall should g1ve you a replacement for a Finally, the wine and cork indus­ year has been busy for Thrk and establishes the foundation for a pat­ & Foreman Inc. (HFI) is pleased to "corky" bottle when you're able to tries are workmg closely to find new 6. "Getting Things Done: The Art of Stress-Free Productivit)"," Dav1d Allen (V1king Pengum... $24.95) Company. a strategic brand-market­ tern or behaviOr that virtually guar­ announce the adduion of Jess properly identify it. But don't take ways of processing the cork bark to (5) Why productivity depends on relaxation, not hyperactivity. ing and advcn"ing agency located antees failure m the future. He Harrjs a~ director of communtt} the bottle back half or more empty. eliminate the problem at its source. in the Inland Emp1re. The company states: "We may not be fully 7. "The Agenda," by Michael Hammer (Crown Publishing .. $27 50) (10) What .111 busmesses must do to planning for the 40-year-old ciVil You should note the flaw at first And, it does seem I haven't found so has recently lured an account man­ responsible for every event 111 our 'iUr\'ive the decade. engmeering/survey1ng firm. whose sniff. many "corkics" in the last year or ager and public relations director to lives; accidents do happen, both Inland Empire office is located in two. 8. "J.K. Lasser's Your Income Tax 2002," hy J K. Lasser Institute (John Wiley & Sons ... $16.95)**The suppon t\\O recent account wms. m lucky and unlucky ones. However. Upland Hall & Foreman president return of this classic means spnng will soon be here. we are solely responsible for how addnion to promoting both an John Hogan noted that Harris will we respond to these events. and account senH.l: director and ere­ be responsible for the continued 9. "First, Break All the Rules," by Marcus Buckingham and Cun Coffman (Simon & Schuster...$~5.00) how we allow these events to shape alive director to the vice prc~ident development and growth of the (?)*.~"'Great managers break tht! conventional management rules. level. The recent promotion of Russ us. firm's land planning division. 10. "The Myth of Excellence," by Fred Cr>wford & Ryan Matthews (Crown Publishing .. $27.50) (8) Why Many of our patterns-which Cornelius to vice president from Harris will provide value added we are in control of-bring us focus is the reason great companies excel. account service director comes on serSJces to clients with his ability to the heels of t\m• Sv~tema S t rn estate loan officer. Mcintire's pro­ need, how to choose that all Talbert the Mayor of Corona, as one ...... [email protected] shop designed for people feSSIOnal career incorporates more~ important QPrtner. Thurs., 8 of three finalists of the 2002 Small Inland Empire International Business Associalion who plan to start a business than 20 years of commercial real a.m.-noon, RCC Economic Business Person of the Year ...... [email protected] or have recently established estate and construction loan under­ Development Classroom 1 , 6 "Marketing and award ... General Dynamics U.S. Government Printing Office, GPO Access a business will be held on 2 ~LlJ~ACCe"!lll Sprmkler Pt x-ess wrillng as well as development and ..... gpoaccess@ gpo.gov 2038 Iowa Ave, Ste 100, Thurs., from 5:30-9 p.m. at Promotion." A workshop Control \lfonttonng \1onttor•ng Properties Inc. (G OP!), owners of management of real estate lend­ sr~tem S\'Stcmi S\stcms U.S. President ...... president @whitehouse.gov Riverside. Fee: $55.00, the Greater Riverside designed to develop all the Empire Lakes Golf Course and the ing ... Bob Kain, chatrman of the includes continental break­ Chambers of Commerce, tools you need to market Empire Lakes Center will present board and dtrector of healthcare of BULLETIN BOARD SERVICES (BBS) fast. For more information 3985 University Avenue, and promote your product checks that total $10,000 to two HMC Group headquartered in lnfonnaiJOn " ~ubjttl\0 t:hange wuhout not1ce and some operator\ may charge fees please call (909) 222-8000. Riverside. The fee, which or service. Understand the local charities. "These two $5,000 Ontano, was honored March 6 at Alire'lt Wonderland : Ami.lteur rJdio. P\ion and Renegade suppon, CD-ROM, No RatJos, On-line games, acti\C mc~'age bases; (909) 597..4469. necessary 4 basics of mar­ Central includes materials, is $20 per St.111on checks are the result of our negotia­ Cal State, San Bernardmo as the Nctwor~cd mc~saging, game~. If 14.4 Apple Elite II : on-line transfers for Apple and Mac, baud; {909) person. For additional infor­ keting. A must for business­ \lfonitoring tions with the Inland Empire Open, univerSity's Arrowhead 359-llJS. The Btueprinl Plact BBS: CAD·plotlmg ~rvtce; drop "DWG" Auto-CAD files, z1pped and text file m mation please contact es who need or want more Now, there's a better way to meet which coordinates the PGA's local your demands for dependable elec­ Distinguished Executive Officer. CAD hbrary, 144 baud; (1101 595-5088. How to start and SCORE at (909) 652-4390. customers. Tues., 9 a.m. to Buy.Com event," explained Jeff Mine and You rs BBS: WWIV Networh, Large File. MSG Base, Games, lmemct e-mail and Local 16 tronic security sernces. The award, be>towed annually by noon at National University, Echo;, Fee; Free; C760i 144-0S~h. manage your business, "Be A leading ffiultilocation n~1tional Kudlac, staff vtce president of the College of Busmess and Public Ebh- Business: Bus11les~ management. labor lalo\·s. CPA J<>sues. human resources, employee bene­ Your Own Boss." A seminar 3390 Harbor Blvd., Costa ~ecurity company wtth a strong General Dynamics Properties Inc. Admmistration, recognizes hon­ fih. 14.4 haud.14 hou"; 17141 119·686-1 Mesa. Fee, $25, includes local commitment, \\'ells Fargo lmestorUnk : Stod. commodity pnces. real estate. iliuly news. personal llnan~.:c, muiUal funds, 28.8 designed for people who "When we arranged for the Inland orees' leadership, civic service and Alarm Services meets that chal­ baud; (818) .131~4611 plan to start a business or 31nternationally materials, there is a $5.00 Empire Open to come to Rancho 2 lenge through . . commitment to education. Kain Mommadillo'; BBS & BreakFast: WwJV~ct. E-mail. TradeWanh, Lord S.:rabhle On-line, 14.4 baud; reduction if pre-paid. For (310)412-1423 have recently established a renowned artist - Alvar • InnO\·ative security svstems Cucamonga, we wanted a guarantee has been wllh HMC smce 1981, pn­ PC-W indo•maker BBS- A.U.G.I.E.: Computer u;er group dub BBS. ;upport~ng IBM. Alan and business. Program will Sunol, to make a special additional infonnation • Skilled installatio~ a~d service that some of the chantable funds marily overseeing the construction Mac do~AnlcJrds 8S60 Voncy.lrd Avl' Sll' J06 R ,u;ho Clo<.e HIIO tq.o mation please contact new corporate identity including Montclair branch. CA 91730 4352 PAGE 52 • INLAND EMPIRE Bl'SINESS JOt Rl'iAI MARCII2002 ~lARCH 2002 INLAND EMPIRE Bl;SINESS JOURNAL • PAGt: 53 NEW BUSINESS NEW BUSINESS

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RUIZ. l BASELINE ROAD, SUITl 110 RANCHO CUCAMONGA CA 91730 YOUR POOL & SPA MAINTE­ 933 (909) 980 1100 • fAX (909) 9•1 8610 Inland Empire Business Journal NANCE CO, 76794 CHRYSAN­ RIVERSIDE. CA 92506-2422. The source for the business world of the Inland Empire THEMUM WAY, I, ALISON J RIYERSIDF SANDERS, PALM DESERT. CA. MARCH2002 fNLAND EMPrRE BUSfNESS JOURNAL • PAGE 55 Los Angeles County Music Center cominued from page 40 Broadway run at The Ahmanson ing its world-premiere at the curse on their family in order to have guished Amencan poet, Richard Theatre at The Los Angeles County Ahmanson. a child. In the first act, they set out to Wilbur. Music Center, through March 24' The Broadway and recording achieve their goal of living "Happily The Moliere comedies joins two lavish hit musical comedy stars superstar Vanessa Williams heads the Ever After," through familiar routes bUSinessEoumEal delicious comedies that spin their Vanessa Williams in role of the witch cast and the buzz has already begun as and characters - Cinderella goes to 1 charms m one cvemng of efferves­ the ball, Jack climbs the beanstalk, Presents: cent. high-energy, stylish tales. R1ch Lillie Red R1ding Hood survives her with coJncJdcnccs and ludicrous mis­ clash w1th the wolf, and more. Women & Business understandings, both plays feature At the end of Act I, the spell IS The Women of Business! e-mail addresses Sganarellc and hiS follies, and the lifted and they mdccd, live happily Expo 2002 fast-developing plots build to a peak ever after. Act II. however, deals wuh NAME ADDRESS TITLE of confusion, plunging him headlong the consequences that traditional fairy tales conveniently ignore. What does Call Mitch for Sponsorship Opportunities! 1nto comical calamity. William J . Anthony w•lliamjObustoumal.com Publisher & Producer Weekdays performances arc Tue. one do with a dead l(iant in the back­ to Fn. eve!-.. at 8 p.m. and Sun. eve. at yard? Does marrying a prince really Mitch Huffman ...... (909) 484-9765 Ext. 26 Ingrid Anthony ingndObusjournal.corn Managing Ed•lor 7:30p.m., 37/$22. Weekend pcrfonn­ lead to a happy and fulfilling life? Is carving up the wolf the solution> All com ances: Sat. eve. at 8 p.m.; Sat. and Editor •ebfObuSJOumal.com Ed1tor Sun. matinee at 2.30 p.m., $44/$24. the characters must deal ''"th what ~ The performance length is two hours. happens AFfER "Happily Ever i Register your Domain or visit our Web site at: A "pay what you can" performance IN PHOTO: Vanessa Williams swrs as the Wirch in "lwo the Woods," 11ow After." l: will be held on Tues., Feb. 12, at 8 playing through March 24 at the Ahmanson Theater. With mu.rn'c and lyrics by "Into the Woods" runs 0 for only p.m. Stephen Sondheim and book and direction by James lApine. "Into the Woods" through March 24 with shows Tues. to www. busjournal. com "Do you know any churlish hus­ won Tony Awards for Best Score and Best Book of a Musical. The Ahnumson is Fri. eves. at 8 p.m.; Thurs. matin6es at $24.95 bands? If you do, send them to us­ located ar the Los Angeles Music Cemer, /35 N. Grand A1•enue, in downtown 2 p.m.; Sun. eves. at 7:30 p.m., we'll teach them a thing or two." - Los Angeles. For information and to purchase tickers by phone, call (213) 628- orchestra/mezzanine-$65. balcony­ ..\sk ...\bout the 2772. Moliere, from "The School for $35; Sat. matinee at 2 p.m. and eves. - Photo Credit: Joan Marcus Husbands." Two of Moliere's funni­ at 8 p.m.; Sun. matinee at 2 p.m., BOOK of LISTS est comedies began previews this (At first an old hag and in Act II a one of the spring's most talked-about orchestra/mezzanine-$70, balcony­ week at The Mark Taper Forum. Call dazzler'). "Into the Woods" mus1c and Broadway events. Los Angeles the­ $45. Audience Services at 213-628-2772. lyrics are by Stephen Sondheim and atergoers will see it first, JUSt prior to The show performance length is 2 hrs., 50 min. ASL signed perform­ OAK HILLS PROPERTIES PRESENTS ... This is a perfect show for student the book and direction by James its Broadway revival 111 May 111 New groups at just $12 each for groups of Lapine. York. ance for the deaf and audio-described 15 or more. Call our Group Services Stephen Sondhetm and James Stephen Sondheim and James for low-vision or blind patrons: Sat., BUSINESS TO BUSINESS office today for more details: 2 13- Lapine's Tony Award-winning frac­ Lapine's most popular muSical blends March 9 at 2 p.m. Tickets: $45 each. 972-7231. tured fairy-tale musical is making its various familiar fairy tales with an "Pay What You Can" performance: COURIER SERVICE The Ahmanson Theater highly anticipated return to Broadway original story of a childless baker and Wed., Feb. 6 at 8 p.m. Call audience "Into the Woods" is in its pre- -and this all-new production is hav- his wife, who auempt to reverse a services at 213-628-2772.

~ ~ &8!L TWO WEEKS ONE WEEK ? SAME DAY NAMM California Announces Agreement • • to Acquire Medical Pathways Yw I~ blSness mail will be picked up by couiier 15165 Seventh Street - Victorville continued from page 36 AMM California develops and review, quality assurance, creden­ For the first nme months of l'MCE a day an:l hard delivered on ru next route. 9 Unit Proressional Building on 1.2 Acres in g panel of affi liated physicians manages medical groups providing a tialing, claims processing and other 2001, NAMM California had rev­ 8606 Square Feet - $750,000 who share our business principles full range of services to assist physi­ services. enues of $190.2 million and earnings .lillr'*-A... .,...... _. The Victor Val ley Dental Plaza is a Landmark Complex Located in the "Hean and VISion. They will be an excel­ cians in their managed care business NAMM Cali forma is an operat­ before interest, taxes, depreciation of Victorville" at the Comer of Seventh and Merrill Streets, South of • same Day Delivery • Special Messenger Moja~e lent addition to our existing opera­ operations. The organization owns ing entity of PhyCor Inc., which and amonization (EBITDA) of $7.1 •Couriers Dnve, offenng Freeway Access G t y · 'b'l· A . • Bag Exchanges . . . . rea lSI 1 1ty, ttract1 ve Landscaping, and tions." PrimeCare Medical Network, a recently filed for bankruptcy reor­ million. • Tailored Delivery Systems • Overnight Letter Service :l e n ~ of Parkmg. EXIStmg Tenants include Dr. Han Choe, Radio Mexico, licensed Knox-Keene entity with ganization. NAMM California, Prior to the Medical Pathways • Parcel Delivery With the acquistlion, NAMM eter s Dental Lab, a Mortgage Lender and Heavenly Hair Fashi ons. The California and its affiliates own or nine !PAs in the Inland Empire which operates independently of agreement, NAMM California and Grounds are Well Maintained: the seller has invested over $20,000 into the manage 21 !PAs throughout region of Riverside and San PhyCor, has not been affected by the PrimeCare managed the care of butldmgs, grounds, and parking within the last year alone. The complex is California. providing care for Bernardino counties. PrimeCare 's reorganization effon. approximately 350,000-member ~LP. well swted to any professional tenant. Owner will Carry with a minimal down approximately 517,000 members. Knox-Keene license allows it to con­ "Given our state license require­ California operations. The company For Service in the Inland Empire call: to a qualified buyer. Shown by Appointment Only. The Organization contracts with tract with health plans on a global ments, we remain in a strong finan­ and its affiliates contract with 29 more than 1,000 primary care and capitation basis. It then contracts cial position, pay our claims and hospitals in California and panici­ 1 • 800 • GO • 4 • ICBM Call Mark Lawson at Oak Hills Properties 2.000 specialist physicians covering with !PAs managed by PrimeCare capitation on time and expect pate with 19 managed care health Serving all of Southern California 6694 Caliente Road - Suite B all major specialties. for professional medical services. absolutely no interruption of busi­ plans, including five senior HMO Oak Hills, California 92345 These services include utilization ness activity," said Moret. programs. (760) 948-7653 or (888) 216-1629 PAGE 56 • INLAND EMPIRE BUSINESS JOURNAL MARCH 2002