Granite Bay View - March 2012

8/2/2019 Granite Bay View - March 2012

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M A G A Z I N EM A G A Z I N E

G R A N I T E B A YG R A N I T E B A YMARCH 2012

PRSRTSTD

U.S.PostagePaid

Permit#275

Roseville,CA

95678

ECRWSS

PostalCustomer

GraniteBay,CA95746

The Real EstateThe Real EstateThe Real EstateMarketMarketMarketWHAT A PROFESSIONALWHAT A PROFESSIONALWHAT A PROFESSIONALCAN DO FOR YOUCAN DO FOR YOUCAN DO FOR YOUDIY HOME MAKEOVERDIY HOME MAKEOVERDIY HOME MAKEOVERASSISTED LIVING -ASSISTED LIVING -ASSISTED LIVING -FINDING THE RIGHT HOMEFINDING THE RIGHT HOMEFINDING THE RIGHT HOMEFOR YOUR PARENTSFOR YOUR PARENTSFOR YOUR PARENTS


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8665 Auburn-Folsom Road, Granite Bay, CA 95746 916.788.1500 www.goldsgym.com

Dont be fooled with smaller studios that offer higher monthly prices.You owe it to yourself to view our full service facility and see for yourself that

we are the best value guaranteed.

$29Limited Offer $29 per month.NO LONG TERM CONTRACT.

Hurry, First 19 Days Only!Offer Expires Wed., March 21st

Granite Bay


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GRANITE BAY VIEW MARCH 3

Life seems to revolvearound real estate. Somuch about our lives

is affected by where welive, how many bed-

rooms we have and howmuch of our paycheck isgoing to the mortgage.How many times haveyou thought, Id be hap-pier if I lived closer towork, or, If I only had anextra bedroom, Id getthat piano Ive alwayswanted.

Its these kind ofdreams that lead us tojump into the market

which can be a scary ideafor buyers and sellersright now. My sister is afirst-time buyer navigat-ing a world of short salesand foreclosures andthe disappointment oflooking at more than 20homes that dont match

her dream. Whether theres a for

sale sign on your lawn or youre contemplating arefi, I hope youll findsome good nuggets ofinformation in thismonths View.

This month we talk to

Granite Bay homeownerDave Hendricks. He andhis wife were consideringselling rather than doinga costly update of theirhome. Instead, Daveinvested a fraction of thecost (and a lot of elbowgrease) into doing the

renovations himself.Check out the before andafter shots starting onpage 4.

For this months Hot

Property we have a stun-ning riverfront home inFair Oaks that exempli-fies location, location,location. The homeoverlooks the AmericanRiver and takes advan-tage of the spectacularviews.

We also take a look atsenior living. With anabundance of optionsand different levels of

care, how do you knowwhich one will be a goodplace for mom and dadto live? See what anexpert says on page 7.

Michelle Carl is the editor of the

Granite Bay View. Reach her at

[email protected]

ALSO IN THE ISSUE:

Dining 10

Real Estate 19

Fitness 36

Parenting 39

Daytripper 41

Calendar 42

ON THE COVER:Realtor Valisa Schmidley at work in her office at Keller Williams.

Above, Johnny Fisher and Valisa Schmidley go to work for their clients.

PHOTOS BY ANNE STOKES GRANITE BAY VIEW

Copyright 2012. All rights reserved. No part of this publication may be repro-

duced without written permission of the publisher. The publisher shall not be

responsible for any liabilities arising from the publication of copy provided by

any advertiser for the Granite Bay View. Further, it shall not be liable for any act

of omission on the part of the advertiser pertaining to their published adver-

tisement in the Granite Bay View. A publication of Gold Country Media.

188 Cirby Way, Roseville, California 95678 www.granitebayview.com, 916-774-7928

Publisher: Kelly R. Leibold, 916-774-7910, [email protected]

Editor: Michelle Carl, 916-774-7955, [email protected]

Advertising director: Suzanne Stevenson, 774-7921,[email protected]

Advertising information: Rebecca Regrut, 774-7928,[email protected]

Production supervisor: Sue Morin

Circulation: 1-800-927-7355 or 916-774-7900

MARCH 2012

Volume 22 Number 3

a view inside 19

Senior living options 7If you need advanced care for your adult parents,local experts share what you should be looking for(and what questions you should be asking).

Pollo perfecto 10This Granite Bay Mexican food restaurant doeschicken right good thing it happens to be in thename of the place.

Michelle

Carl

Editor

Its all about location, location, location

Quarry Ponds Center5550 Douglas Blvd., Granite Bay (near Peets Coffee & Tea)

Call in orders recommended for take-out or if you planto dine-in at one of the tables in the Market Hall

Market talkWhether youre buying or selling, local real estate and lending professionalsshare whats going on in the market and how you can take advantage.


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4 MARCH GRANITE BAY VIEW

BY TINKA DAVI

GRANITE BAY VIEW

It was either move or redo the kitchen.Thats what Dave Hendricks of Gran-ite Bay realized when his wife, Chris-

tine, wanted to look at homes for sale.I hated the kitchen, she said. Sohusband Dave did what most people wouldnt even think of undertakingthemselves.

He meticulously designed a newkitchen, shopped for materials,removed flooring and cabinets, hiredsubcontractors and did some of thework himself.

And he didnt remodel just that onehot spot. In addition to the kitchen, heredid the living room, den, hall floor

and two bathrooms.Hes heard stories of people spending

$150,000 to remodel the kitchen alone.But Hendricks is proud to say he did

five rooms for around $50,000.Whats unusual is that Hendricks, 70,

doesnt have a background in buildingnor has he ever done this sort of projectbefore. He is a retired math teacher.

However, he minored in art in collegeand is adept with a camera. Several of

his photographs hang in the home. Healso paid attention to his father, a full-time carpenter, Christine Hendrickssaid.

We talked about remodeling thekitchen for years, she said. She dislikedthe kitchen because it was all white white tile counters, white appliances,white walls, white ceiling, white floor.

Dave Hendricks redesigned it withcolor.

Taking a cue from the warm wood intheir kitchen table and the black chairs,

he chose cabinetry in wood tones withdark, decorative trim. The new cabinetsdont have straight lines like the oldones. The cabinet tops are at differentlevels and some upper cabinets haveglass door fronts and glass display

shelves. There are open shelvesbetween the lower cabinets near thekitchen table.

Hendricks design called for adding afoot to the width of the cabinet next tothe refrigerator the former one wastoo narrow.

Cupboard conveniences include wire

shelves that pull-out from deep cornercabinets so that the contents are easilyviewed and reached. They were sur-prised when they cleaned out cabinets.

We found things in the back cornersthat we didnt know we had, Hendrickssaid.

Theres plenty of cabinet space tohouse kitchen items such as woodenknife racks.

The cabinets are super big so wecould take everything off the counters,he said.

The countertops are granite with acomplementary backsplash. Theyreaccented by tiny halogen lights underthe cabinets that work on a dimmerswitch.

The same wood cabinetry is used

above the fireplace in the living roomand for the built-in entertainment unit.A door, similar to those used on a roll-top desk, can be raised or lowered toview or hide the television screen.

Hendricks also designed shelving thatreaches to the ceiling above the desk inthe den. The decorative designs at the

top replicate the same pattern abovethe living room fireplace.Hendricks tore out all the old materi-

als, disposed of them, did all the electri-cal work in the attic and inside thehouse, replaced some of the plumbingand did all the wall and floor prepara-tion and painting, except for the fauxwork and wall mural in the master bath.

The cabinetry in that bath has a mixof rounded and flat lines and a pair ofnarrow cabinets that reach to the top ofthe cathedral ceiling. Theyre part of the

paneling that frames the mirror andhides several small cam lights on dim-mer switches.

Other special touches include Hen-dricks design for the marble floor, aglass shower with scalloped top and a

LEFT: COURTESY DAVE HENDRICKS TOP: PHILIP WOOD GRANITE BAY VIEW

Dave Hendricks completely remodeled his kitchen, including replacing plain white cabinets (left) andthe wall face.

Solo remodels

are a

labor of love

SEE DYI PAGE 6

Granite Bay project took time, passion, patience

DIY:


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DIY IS NOT FOR EVERYBODY

Not everyone is cut out to be a do-it-yourself con-tractor like Dave Hendricks, who had the time, thepassion and the patience to embark on a projectand see it through to completion.

People who think theyll save money by not hiringa general contractor should consider the opportu-nity cost, said John P. Caulfield, Jr., president ofLandmark Builders in Granite Bay. Thats the benefit,profit or value of something that must be given upto acquire or achieve something else.

How much time do they have to dedicate to aproject, how much time are they willing to spendaway from their family, and how much free time arethey willing to give up? Caulfield asks.

Another factor is expense. People have toldCaulfield they could have saved money if theyddone a project themselves. Caulfields answer? If asalesman could make two more successful calls, hemight earn enough money to have the project doneprofessionally.

Caulfield recently received a call for help from ado-it-yourselfer who had gone way over his budgeton a project that also took much longer to completethan expected.

Many people dont understand sequencing of aproject, Caulfield said. There also are many detailsthat go into remodeling, such as licensing, insur-ance, paperwork and obtaining permits.

Professionals know the efficiency of projects andcan help alleviate a lot of pitfalls, he said.

~ Tinka Davi

DaveHendricks

remodeledhis bath-room from aplain white(below) to agranite-tiledsetting.

TOP: PHILIP WOOD

GRANITE BAY VIEW

BOTTOM: COURTESY

DAVE HENDRICKS

DIYcontinued from page 4shower door that openseither in or out.

The second bathroomalso has new, decorative wooden cabinetry, newflooring and fresh paint.

Hendricks meticulouslydrew designs for eachroom with pencil and

paper, not a computer. Hecalled on Karen Chanceand Barbara Faridniya ofDesign A La Carte in ElDorado Hills for theiradvice.

And he used the servic-es of a cabinet maker, agranite company for thecountertops and a retiredtile setter to install theflooring.

He patiently researched

ideas and shopped forproducts and buildingmaterials. I drove thou-sands of miles and spenthundreds of hours visitingtile shops, the cabinet

SEE DIY PAGE 31


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Janice Lamson,left, Anne Sten-zel, 100, andTammie Medlindance to livemusic during aValentines Dayevent at Eska-ton in GraniteBay.

PHILIP WOOD GRANITE

BAY VIEW

From dancing to day trips,residents dont slow down

BY EILEEN WILSON

SPECIAL TO THE GRANITE BAY VIEW

Mom and dads golden yearsare something many adult chil-dren lose sleep over.

But in living communitiesthat have become popular inrecent years, mom and dad arenot only living, theyre thriving.

Good luck pinning them downfor a visit theyre too darnbusy having fun.

Erica Caldwell, marketingdirector for Eskaton Lodge atGranite Bay, agrees.

When people come in hereand say Im tired, I say, Youbetter get energized because

you have a lot of sharing to do,and a lot of friends to meet.

Eskatons slogan includestransforming the aging expe-rience and living communitiesare doing just that.

We have a full social calen-dar, exercise programs andactivities, Caldwell said. We

have a resident who is 100years old, and shes the first oneto participate in the hula les-sons, the ballet lessons.

According to the Senior Citi-zens Council, while maintain-

ing your physical health isimportant to healthy aging,taking care of your emotionalhealth is important, as well.

Independent and assistedliving communities like Eska-ton strive to make sure resi-dents social and emotionalneeds are met.

June Stoeven, a resident ofEskaton Lodge at Granite Bayfor over five years, enjoys visit-

ing with friends.I enjoy the people. Every-

body just seems to fit together,she said recently, while sippingher morning coffee in therestaurant-like dining room.

Mary Mascarino, a residentof seven months, agrees.

The food is great, and Ienjoy meeting a lot of people.Ive made a lot of friends, butIm the talkative type Im theBingo Girl, she said.

Caldwell credits the socialatmosphere with bringing resi-dents together residentswho have strong cognitive abil-ity, and residents who arent as

strong, cognitively.The higher cognitive resi-

dents are really inspirational tothe lower cognitive residents.Its wonderful that they can

We have a resident who is 100 years

old, and shes the first one to

participate in the hula lessons, the

ballet lessons.Erica Caldwell, marketing director, Eskaton Lodge

Quality of life comes first at senior care facilities

SEE SENIORS PAGE 8



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OPEN 7 DAYS& 5 NIGHTS LATE

Roseville - Fountains1198 Roseville Parkway, Suite 180

Roseville, CA 95678(Located between Peets and West ELm)

916.784.7929Granite Bay - Renaissance Creek

8690 Sierra College Blvd., Suite 160Roseville, CA 95661

(Located between Togos and Jamba Juice)

916.772.7929

SPRING CLEANINGWAX OFFER*March 5 - April 15

If you bring in your favorite guy for his first-time experience, your favorite guy will

receive a FREE Eyebrow, Ear or Nose, andyou receive the $5 referral credit and also

get a FREE Body Wash!

*No purchase necessary, first time guest,must be local resident.

916-782-3557

Open House:

Thursday, March 29, 6:30 8:30pm

St. Albans Country Day Schoolhas a 48-year tradition of academicexcellence. Our small class size, state-of-the-art facilities, andextraordinary faculty nurture each childs success in the core areas ofmath, English, science, social studies, Spanish, and computers, aswell as in our enrichment programs in fine and performing arts, andphysical education. We prepare our pre-K through 8th gradestudents to succeed and thrive in high school, college, and beyond.

Find out more about this one-of-a-kind school!


build a relationship in thiscommunity setting, she said.

Seasonal displays, fresh flow-ers, and restaurant-style dining

with daily specials, offer seniorsall the pampering of a nicehotel, with private studios, orone and two bedroom apart-ment-style homes.

Community living in estab-lishments like Eskaton offersocial stimulation, but also pro-vide transportation to bankingand grocery shopping, as wellas outings to destinations likethe Westfield Galleria, Thunder Valley, and even day trips to

Tahoe and the Bay Area.We are an age-in-place

community, Caldwell said.We offer completely inde-pendent living through Level 4assisted living.

Safety features like EskatonsQuiet Care a series of in-apartment sensors that track

residents daily movements andalert staff if something is amiss allow staff to detect potentialmedical conditions or falls.

And in-room amenities like

granite counters, wood floors,mini refrigerators and micro-waves offer all the comforts ofhome.

But many baby boomersstruggle with the question,How do I know when itstime?

Sometimes families needhelp from a professional, likeGranite Bay resident KristinaBlocker from dementiacareadvisor.com to determine the

proper time, the right commu-nity, and how to best approachmom, dad, or a spouse.

Blocker, a certified gerontol-ogist, offers workshops to helpdispel common myths andanswer questions for familymembers.

PHILIP WOOD GRANITE BAY VIEW

Jeanne Trauz, left, Barbara Haycock and Ken Shrewsbury enjoy a bacon, eggs and toastbreakfast together at Eskaton in Granite Bay.

continued from page 7

SENIORS: Professionals can help determine the right time for assisted living

SEE SENIORS PAGE 32


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Q

UARRY

PO

NDS

JOIN US AT QUARRY PONDS

5520~5530~5540~5550 Douglas Boulevard, Granite Bay CA 916-782-8777

Dine, Shop & Enjoy!

(916) 783-3113peets.com

(916) 772-3900sourcetapas.com

(916) 791-2529theclaycorner.com

(916) 370-3223chefdecuisinekitchen.com(916) 899-6121

(916) 788-2828theartisanmeats.com

(916) 771-2799prestigetailoralterations.com

(916) 797-4992petesrandb.com

(916) 774-0440jchristiaandayspa.com

Come and Discoverall that our center has to offer.

* Fine to casual dining

* Services to make your lifeeasier and enjoyable

* Unique shopping choices

Experience Quarry Ponds today!

Quarry PondsPartnering

with PlacerSPCA

Visit the QuarryPonds mobile site

by scanning our QRcode with your

smart phone app.Capital Pacific Co. Quarry Ponds Leasing & Management information: 916-782-8777 [email protected]

916.791.6200hawksrestaurant.com

(916) 213-1716terifode.com

quarryponds.net

(916) 780-9030capitolcellars.com

Eve Fenstermaker916-791-6761

granitebayprop.com

Quarry Ponds will host the Pet Mobile onSaturday, March 17, 2012 from 10am to 1pm inthe parking area. Stop by to adopt a pet or tojust see the adorable animals and learn more

about suporting your local SPCA.



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dining view


Granite Bay restaurantsspecialty is marinated chickenBY SENA CHRISTIAN

GRANITE BAY VIEW

Every time my boyfriend andI discuss what to eat out fordinner, I state my usual prefer-ence: Mexican.

I could eat Mexican food sev-en days a week, and I am noteven kidding. This has been myfood genre of choice for as long

as I remember. Id eat chipsand salsa for breakfast, lunchand dinner if society didntjudge me.

Needless to say, my infatua-tion has taken me to my fairshare of Mexican joints. Uponmy first visit to El Pollo de Oroin Granite Bay, the eateryquickly rose to the top of mylist of favorite local restaurants.

The Santa Fe-style eateryopened in March 2011 and its

name means the goldenchicken. When the new own-ers bought the 25-year-oldestablishment last year, theyopted to keep the old nameintact. Although, the goldenchicken could also referencethe restaurants specialty, amarinated chicken served withrice, beans and tortillas.

Its marinated all night, withno oils and with a hint of lime,

said manager Gabby Diaz. Itsreally good.Customer Jennifer Roberson

didnt try the marinated chick-en during her recent visit to therestaurant, instead opting forone of her two preferred dish-es. She works at Essentials SpaSalon next door and buyslunch at El Pollo de Oro twice aweek.

Its very fresh, Robersonsaid. I either get the fish tacos

or the ceviche. The ceviche isamazing.

El Pollo de Oro sits nestled inthe corner of a shopping centeron Auburn Folsom Road andDouglas Boulevard. The restau-

rants interior boasts warm yel-low and orange walls, with

sombreros and pottery on dis-play.

I may not be a foodie, but Iknow good Mexican food, andEl Pollo de Oro offers high-quality, flavorful dishes. The

food isnt over-the-top or tryingtoo hard to be unique. Its just

right: fresh tasting with anabundance of flavors, perfectportion size, served hot and allfor a reasonable price.

I ordered the vegetarian bur-rito stuffed with zucchini, pep-

pers, onions, tomatoes, beansand a good helping of cheeseon top. One of the best veggieburritos Ive had.

One of my dining compan-ions ordered the ceviche, afresh raw fish marinated in cit-rus juice and spiced with chili

peppers, which he described asquite tasty. But this appetizercame out late with the entre.

Either that or the food cameout early, he said.

True, our dinner arrived

quickly and the few minuteswe did wait were spent eatingthe delicious salsa and crispytortilla chips, which our atten-

tive waitress replenished sever-al times without even asking ifwe wanted more. She knew: Ofcourse, we wanted more!

The atmosphere was livelyand family friendly, but notnoisy. Beer is available on tap.

My friends and I engaged inconversation in the cozy envi-ronment offered by El Pollo deOro and never felt rushed topay our bill and leave. In fact,we ended up staying there for

more than two hours beforerealizing the restaurant hadclosed.

Sena Christian can be reached at

[email protected]

Fans of Mexican food should try El Pollo de Oro

EL POLLO DE ORO

Hours:11 a.m. to 8 p.m.Monday through Saturday.Closed Sunday.

Location:8657 AuburnFolsom Road in Granite BayInfo: (916) 791-5858

PHOTOS BY PHILIP WOOD GRANITE BAY VIEW

El Pollo de Oro in Granite Bay offers a plate of flautas topped with guacamole, sour cream and cheese, and served with aside of rice and beans.

El Pollo deOro manag-er GabbyDiaz servesup somechips andsalsa at herrestaurantin GraniteBay.


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8657 Auburn Folsom Rd, Granite Bay791-5858 elpollodeorogb.com

ServingBeer&Wine

Buy 1 Entree & 2Beveragesget the 2nd entree

1/2price

Expires4-6-12


Looking to spice upyour next dinner? Try thisrecipe, courtesy of Jag andKam Atwal of ArtisanMeat & Fish. If you donthave all the groundspices, I have made thiswith acceptable resultswith three teaspoons of a good quality hot curry

powder, Kam says. Youcan always add greenchilies to make it hotterand garnish withcaramelized onions andfresh cilantro!

Original TandooriChicken

Serves 6-8

INGREDIENTS

8 chicken breasts fromArtisan Meat & Fish

1 lime (juice and zest)1 inch fresh ginger

(peeled)4 cloves garlic (peeled) cup yogurt (Indian or

Greek style is preferred) teaspoon ground

clove teaspoon hot chili

powder (more if youwant it a little spicier)

teaspoon groundcinnamon

teaspoon ground

ginger teaspoon ground

turmeric teaspoon salt teaspoon sugar teaspoon ground

cumin

DIRECTIONS

Marinate chicken inmixture overnight. Best

cooked on the barbecuegrill 7-8 minutes on eachside on medium. Can alsobe baked in the oven. InIndia they would makethis in a oven called aTandoor, a clay oven, butbarbecuing gives it a simi-lar taste.

chefs corner

ARTISAN MEAT & FISH

5550 Douglas Blvd., Suite 120 (Quarry Ponds)(916) 788-2828www.theartisanmeats.com

Baked or grilled, Tandoori

chicken is one hot hit

Kamand JagAtwal,owners

COURTESY

Original Tandoori chicken.


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Gardeners gather inLoomis on March 3

The Placer CountyMaster Gardeners pres-ent their fifth annual Gar-deners Gathering from 9a.m. to 3 p.m. Saturday,March 3, at the historicBlue Goose Fruit Shed inLoomis.

This educational eventfeatures five speakers andincludes lunch. Ticketsare $25 and may be pur-chased by credit cardonline at www.pcmg.

ucanr.org, or in person atthe UCCE office in Auburn, 11477 E Ave.(DeWitt Center), by cashor check.

Advanced registrationis required. For moreinformation, call thePlacer County MasterGardeners Hotline at(530) 889-7388.

The topics and speak-ers are:

California Natives forBackyard Spaces, LaniHouck, Sierra CollegeHorticulture Instructor

Pruning Ornamentaland Fruit Trees, Chuck

Ingels, Farm AdvisorSacramento County

Revitalize Your Garden Rev It Up! AhmedHassan, TV Personality,Host of Yard Crashers

Fragrance in the Gar-den with Herbs, RoseLoveall-Sale, owner of

Morningsun Herb FarmInvite Bees and Butter-

flies into Your Garden,Missy Gable, ProgramManager, California Cen-ter for Urban Horticul-ture (CCUH), UC Davis

Republican womenplan luncheon

The South PlacerRepublican Women Fed-erated March 2012 lunch-eon will be on Saturday,March 3, at Sierra ViewCountry Club, 105 AltaVista Ave., Roseville. Reg-

istration is at 11:30 a.m.,lunch is a noon.

Special guest speaker will be Micah Grant,communications con-sultant for the CaliforniaRepublican Party.

Cost is $20 per person,$15 for first-time guests.

For reservations, contactGinny Townsend at [email protected].

Songbirds sought for

River City ChoraleDo you like to sing?Think about joining the

River City Chorale, a 60-voice adult choir that hasperformed fine choralmusic in the Sacramentoarea for over 30 years.Both sacred and secularmusic is sung in all styles,from classical to jazz. Thegroup is presently ac-

cepting new tenors andbasses for spring 2012.

Auditions are 6 p.m.Monday, March 12. Formore information, call(916) 489-7248 or visitwww.rivercitychorale.orgor find them on Face-book.

4100 Wise Road Lincoln www.wisevillawinery.com 916.543.0323

Located 4 miles East on Wise Road from Hwy. 65(intersection of Garden Bar & Wise Road)

March Activities:Pairing Parties March 16 &17Major Event March 24 Rain Dance Celebration!

Live Music, Food, Wine and FUN!

RSVP online under calendar eventsor call winery at 916.543.0323

Tasting Room Hours:Thursday-Sunday 11:00am - 5:00 pm

April Activity:Pairing Party Saturday, April 14

Buy One Item, Get the

Second One 1/2 Price!With Purchase Of Two Beverages

Please present coupon upon ordering.Not valid with other offers & Lunch

Specials. Expires 4-6-12

8781 Auburn-Folsom Road (near Douglas)Granite Bay

916-791-2940Mon-Sat 11am--9pm & Sun 4pm-9pm

AuthenticAuthentic

Mexican FoodMexican Food

Pullman Kitchen

at Quarry Ponds

Chef Sovy Medved, an alumna of the California CulinaryAcademy in San Francisco, prepares her signature dishes ina tiny 400 sq. ft. kitchen, one of the smallest in theSacramento area. Its just enough space for Chef Sovy to

prep and prepare her authentic and fresh gourmet mealssuch as Pan Roasted Duck Breast with Berry Sauce, Rack ofLamb, and a variety of Red, Yellow or Green Thai Currydishes to loyal customers. The organic mixed green salad

with aged homemade balsamic vinaigrette dressing toppedwith shaking beef or wild-caught salmon is a local favorite.In fact, all of her fish dishes are prepared with only wildcaught seafood. Comfort foods such as the BreakfastBurrito, Beef Pot Roast, Beef Chili and Baby Back Ribs areserved all day. You will enjoy the Crme Bruleand CrmeCaramel dessert made fresh by Chef Sovy daily. For thatspecial occasion, order a specialty cake from PullmanKitchen prepared specially by the famous bakery, Ettores onFair Oaks Blvd. in Sacramento.

Breakfast, lunch and dinner served all day from 10 a.m. until7 p.m. from Tuesday thru Sunday. Call-in ordersrecommended for take-out and if you plan to dine-in at oneof the tables in the Market Hall.

Pullman Kitchens services for Cuisine for Fitness,Cuisine for Seniors, and full service catering havereceived rave reviews. Ask Chef Sovy to cater your nextevent. 916.370.3223

5550 Douglas Blvd., Granite Bay (near Peets Coffee & Tea)pullmankitchen.com


IN BRIEF


13/44

Douglas Ridge RVDouglas Ridge RVDouglas Ridge RV& B oat Storage& B oat Storage& Boat Storage

ASKABOUT

OURMOVE-IN

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Located at 8160 Sierra College Blvd.

Roseville, CA 95661Near the corner of Sierra College and Douglas

916-784-8011916-784-8011916-784-8011www.douglasridgervstorage.com

Free transportation to and from our privateschool from our Granite Bay School.

BOARD CERTIFIED:American Osteopathic Association of Orthopaedics

FELLOWSHIP TRAINED:UCDavis Orthopaedic Trauma Fellowship

SPECIALTIES:Joint Replacement, Sports Medicine,

Complex Fractures, Computer Assisted Surgery,

Patient Specific Implants, Gender Specific Implants,

Minimally Invasive surgery, Hip Arthroscopy,

Hip Resurfacing and Pediatrics.

Pledging to provide the

Highest QualityofOrthopaedic Care.

(916) 771-9555

2204 Plaza Drive, Ste. 120, Rocklin www.davidgotham.com


Home Instead looksto honor seniors

The Home Instead Sen-ior Care office servingseniors in Sacramento,Placer, El Dorado andNevada counties hasannounced the Salute toSenior Service program tohonor senior volunteers.

The program willinclude a search for themost outstanding seniorvolunteer in each stateand culminate with theselection of a nationalSalute to Senior Service winner during OlderAmericans Month in May.

Nominees must be 65

years of age or older andvolunteer at least 15hours a month. Nomina-tions will be accepted atwww.salutetoseniorservice.com throughMarch 15. Nominationforms also can be request-ed at [email protected].

Winners will receiveplaques, and their stories will be posted on salutetoseniorservice.com. Inaddition, $5,000 will bedonated to the nationalwinners charity of choice.

Local Audubon presto speak to gardeners

The Gloves and ShovelsGarden Club meeting onTuesday, March 20, willfeature Heath Wakelee.Heath is the immediatepast president of the Sier-ra Foothills AudubonSociety and has been abirder for over 25 years.

The Gloves and ShovelsGarden Club meetingsare held at the TelefunkenSemiconductor Interna-tional building, at 7501Foothills Blvd., Roseville,on the third Tuesday ofeach month at 10 a.m.Guests are welcome. Forinformation email gloves

[email protected] call (916) 434-6813.

Healthy Heartspresented in March

Placer Independent Re-source Services will pres-ent a free workshopseries, Healthy Hearts,for older adults in PlacerCounty.

Dr. John Schafer of Mer-cy Medical Group willspeak at 3 p.m. March 16,and Debbie Lucus of Sut-ter Health will speak at 2p.m. March 21 at theMaidu Senior Center, 1550Maidu Drive, Roseville.

To register, call (916)774-5978 or (530) 885-6100, TTY (530) 885-0326,or email [email protected] for dis-ability access can be pro-vided with advancerequest. The event is opento the public and seatingis limited.


14/44

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Seijinshiki celebratedLilli Sutton, a 2009 graduate of

Granite Bay High School, recentlycelebrated her Seijinshiki or Com-ing of Age in Shinjuku, Japan. Thisday honors young people who havereached the age of 20, when theycan vote, drink alcohol, and assumeother responsibilities. On this day,they visit shrines throughout thecountry to pray for their future, withmany women dressed in kimono.This event occurs the second Mon-day in January and is a national hol-iday. An International Studies majorat Boston College, Lilli is currently

halfway through her junior yearabroad at Waseda University inTokyo where she is enrolled in theSchool of International Liberal Stud-ies. Her kimono was lent to her byone of her Waseda classmates.

COURTESY

People going throughseparation and divorcemay need the support ofothers as they attempt toheal.

The DivorceCare pro-gram offers a DVD pres-entation and discussionled by trained facilitatorsfrom 6:30-8:30 p.m.every Monday through

April 23. DivorceCare 4Kids, a program for chil-dren ages 5-12, is held atthe same time. Cost perperson is $15 and schol-arships are available.

For questions, or toregister, call CenterpointCommunity Church, 515Sunrise Ave., Roseville, at(916) 782-3186.

Divorce workshops providesupport during painful process


16/44

Like The Granite BayLike The Granite BayView on Facebook!View on Facebook!

Congratulations to Shelly K., Aidan O.,Marty M. and Patrick B. for winningski passes to

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17/44


Piano store hits a chord with music communitySherman Clay offers lessons, recital room

BY LAURA OBRIEN

SPECIAL TO THE GRANITE BAY VIEW

Rich, full piano notes flow off the fingertips of Sher-man Clay manager Thomas Masi as he plays one ofthe stores Steinways.

In the 110-seat recital hall at the back of theRoseville stores large, airy piano showroom, youngpiano students, piano teachers, professional musi-cians and music-lovers alike can enjoy the sound ofSteinway pianos handcrafted in New York and Ham-burg, Germany.

The store located in the Nugget shopping center atthe intersection of Pleasant GroveBoulevard and Fairway Drive opened

in 2008. Masi took over as manager inNovember. Recent events such as AnAfternoon of Jazz, piano recitals andcompetitions, and meetings of pianoclubs are establishing Sherman Clayas a key local venue for music appre-ciation.

Teachers know were here becausenow they have a beautiful facility todo their recitals, Masi said. Youdont have to be a concert pianist tobe in here.

Sherman Clay began as a San Francisco-based con-

cert music hall in 1870 and became an authorizedSteinway dealer in 1892. While the chains retail pianosales once stretched nationwide, Sherman Clay nowoperates six stores on the West Coast, including inSeattle, Portland, and the Bay Area, and two stores inTexas.

Bonni Nutter, a Granite Bay piano teacher and pres-ident of the Placer branch of the Music Teachers Asso-ciation of California, said Sherman Clay has built arelationship with the local piano community.

The Roseville store provides its recital hall to pianostudents for performances, competitions, and certifi-cate of merit exams. The store also hosted a recentfundraiser for the music teachers associations schol-arship program.

Up until the time that Sherman Clay got here wehad no place to do these kinds of things, Nutter said.Now with Sherman Clay here were able to offer somuch more for our students.

Apart from Steinways, Sherman Clay offers of rangeof pianos, including the Boston and Essex lines bySteinway & Sons, and decorator pianos available indifferent finishes. Sound improves as a piano getslonger or taller, Masi said. The 9-foot long SteinwayModel D Concert Grand in the Sherman Clay recital

hall retails for more than $100,000. But families canfind used pianos at the store starting at $800, he said.Sherman Clay also sells digital pianos, a cheaper alter-native to acoustic pianos.

Another Granite Bay piano teacher, Barbara Adam,highlighted the importance of the quality of a stu-

dents instrument.You want the best quality instrument that you can

buy because thats going to offer your student the bestpossible fundamentals of learning to play the piano inthe first place, Adam said. Theyre going to enjoytheir playing because theyre getting a better tone, abetter sound.

Sherman Clay offers two monthly opportunities for

local teachers and musicians to use its pianos. In thepiano club, musicians can practice performing in arelaxed setting. The piano ensemble makes use of thestores matched Steinways for playing music for fourhands. The Roseville store also hosts regular pianoconcerts, such as this months tribute to Vince Guaral-

di, known for his compositions for the Peanuts ani-mated cartoons.

At one time, before the internet and television,piano playing was a chief form of American entertain-ment.

There are families who, like my family, made surethat all their children had the chance to play, Masisaid. You grew up with a piano in your household.Now its big screen TVs. Its computers. Its Xboxes.Those have taken the place of the arts. Thats why we

try to do a lot of different events here to get peopleinterested in the piano industry.Nutter said piano playing engages all the senses.You have to give something of yourself to the

music, she said. I think that that engages so much ofyour brain and your emotions to do it.

PHOTOS BY PHILIP WOOD GRANITE BAY VIEW

Steinway artist Jim Martinez plays the grand piano for an audience in the recital room at Sherman Clay.

SHERMAN CLAY

771 Pleasant Grove Blvd.,Suite 150, Roseville(916) 771-0808www.shermanclay-sacramento.com

EVENTSMarch concert: A Tribute to Vince Guaraldi featuringthe Jim Martinez Trio, 2 p.m. Sunday, March 4. Tick-ets $20 for adults and $10 for kids younger than 16.

ONGOING EVENTSPiano Club: Second Mondays at 10 a.m.

Piano Ensemble: Fourth Mondays at 10 a.m.West Coast Songwriters Competition: Third Fridays at7:30 p.m.

Sherman Clay in Roseville features pianos mainlydesigned and made by Steinway & Sons.

Thomas Masi

manager of

Sherman Clay,

Roseville


18/44

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BY TOBY LEWIS

GRANITE BAY VIEW

With interest rates at his-toric lows, real estateexperts are saying now is

a great time to take advantage,

either by purchasing or refi-nancing your home.Granite Bay Realtor Valisa

Schmidley says that for homebuyers and sellers, finding aRealtor who understands the

local market is essential.Schmidley said that market

knowledge includes muchmore than information aboutthe home she is selling.

It includes knowledge of the

local school systems, crimerates, traffic flow, location oflocal churches, school bound-aries and more, she said.

Theres just not a substitutefor an effective Realtors market

knowledge, said Schmidley, who works out of the Keller Williams Roseville office. It

makes the difference as to whether your home sells ornot.

Schmidley said she typically will put up to $2,000 into ahome before she shows it to a

potential buyer, and that if it isnot something that she wouldput her own family in or rec-ommend for someone whoshes knows or cares about, shewont recommend it for a buy-

er.A Realtor that is not willing

to do that is not serious abouttheir business, she said. Par-ticularly in a luxury market.

Leslie Kelly recently pur-

chased a home in Granite Baythrough Schmidley and saidshe feels it was the right time tobuy, given low interest ratescombined with a deflated


real estate

SEE MARKET PAGE 23

Granite Bay Realtor helps residents navigate marketTheres just not a

substitute for an

effective Realtors

market knowledge.Valisa Schmidley, Granite Bay Realtor

ANNE STOKES GRANITE BAY VIEW

Johnny Fisher and Valisa Schmidley do plenty of research on a listing before they ever show it to a buyer.


20/44

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21/44

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22/44

L u x u r i o u s L i v i n g

$1,329,000 |4,680 sq. feet | 4 Bed| 4 Bath

Kendra Svanum BishopThe Bishop Real Estate GroupColdwell Bankerwww.TheBishopRealEstateGroup.com

916-458-5488Lic#01362018

Granite Bay$729,900|3,083 sq. feet |3-4 Bed| 2.5 Bath8705 BROOKDALE CIRCLE

Kelly McGheeThe Bishop Real Estate GroupColdwell Bankerwww.TheBishopRealEstateGroup.com

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23/44

housing market.She said that she and

her husband were inter-ested in the local marketfive or six years ago but

could not have affordedto buy in Granite Bay atthat time.

We lived in the areafor about 15 years, Kellysaid. To come back andhave the prices be deflat-ed here, to us it lookedlike a good deal.

Schmidley said that totake advantage of recentlow interest rates, it isimportant to work with aRealtor who is well con-nected with a trustwor-thy financial adviser.

She said a Realtor whoclaims to know all aboutfinancing options isprobably not telling thetruth.

Its really hard to dowhat we do and keep up with whats going on inthe lending industry,

Schmidley said. Thingshave been changinghourly these days, lend-ing requirements havegrown more and morestringent.

Schmidley said thattrusting a Realtor is liketrusting your familyphysician. She said hope-fully your family physi-cian wont have so muchego that he or she wont

refer you to a specialist when you really needone.

The same could be saidfor a Realtor referring aclient to a trusted finan-cial adviser, she said.

The reason is, they arenot salesmen, she said.They are consultantsabout something that isextremely important to a

familys financial stabilityand well being, and I relyon them.

Jason Mata is a finan-cial adviser with VitekMortgage Group in

Sacramento and says forclients who are in highcost-of-living areas likeGranite Bay there are sev-

eral options for takingadvantage of low interestrates.

Mata said that particu-larly in Granite Bay, where homes typicallyhave higher loanamounts, many home-owners think that refi-nancing is simply not anoption.

I think it is important

to share with Granite Bayresidents that there is jumbo financing avail-able, Mata said.

Jumbo financingmeans that anyone who

owes more than $474,950on their existing loan canstill get refinanced, butlikely at a higher interest

rate. According to Freddie

Mac, a government entitythat manages the nation-al mortgage market,interest rates on a 30-yearfixed mortgage reached3.92 percent in January,the lowest point sincethat organization begantracking rates in 1971.

Mata said that in Feb-ruary, rates are averaging

even lower, at 3.875 per-cent.

To get the lowest inter-est rate, what is called aconforming loan, qualify-ing homeowners mustowe less than $417,000on their home, Mata said.

High-balance loans areavailable for those whoowe between $417,000and $474,950, and those

who owe more than$474,950 fall into the jumbo category, Matasaid.

Interest rates typicallyrise between .125 to .25

percent higher at eachlevel, based on theamount still owed on thehome, Mata said.

So if Im quotingsomebody today at 3.875percent on a conformingloan, it might be 4 per-cent to 4.125 on a high-balance, he said. Andon a jumbo loan, it mightbe anywhere from 4.25 to4.5 percent. These are all30-year fixed financeoptions.

Mata said that on aver-age his clients, many of

whom are Granite Bayresidents, are savingbetween $150 and $200each month on theirmortgages after refinanc-ing.

In times like this whenbudgets are a little tightfor households, creatingsavings of $200 a monthis significant, Mata said.

One problem home-

owners have faced inrecent years is beingupside down on theirmortgage, meaning theymight not qualify for refi-nancing.

To address this issue,the Home AffordableRefinance Program(HARP) was put in placeabout two years ago aspart of President BarackObamas stimulus planand has been recentlyrevised to a new 2.0 ver-sion.

Previous loan-to-valuelimits with HARP were setat 125 percent, Mata said.

The revised HARP 2.0

program allows home-

owners with loans thatare owned by FannieMae, another govern-ment entity, or FreddieMac to be able to refi-

nance with no equityrequirements, Mata said.

This means that bor-rowers will now be able torefinance regardless ofhow far their homes havefallen in value, he said.

Another option forhomeowners is FederalHousing Administration(FHA) financing, Matasaid.

Clients in Granite Baycan refinance an FHAloan up to a balance of$580,000, he said.

An FHA loan is moreexpensive than a con-forming or high-balanceloan in terms of the mort-gage insurance cost,Mata said. There isupfront mortgage insur-ance required as well asmonthly mortgage insur-

ance.

Granite Bay$729,900|3,083 sq. feet |3-4 Bed| 2.5 Bath

8705 BROOKDALE CIRCLE

Kelly McGheeThe Bishop Real Estate GroupColdwell Bankerwww.TheBishopRealEstateGroup.com

916-458-5488Lic#01364133



MARKET:Your Realtor should be well connected with a trustworthy financial adviser

In times like this

when budgets are a

little tight forhouseholds, creating

savings of $200 a

month is significant.Jason Mata, financial adviserwith Vitek Mortgage Group

CONTACT INFO

LUXURY HOMES BYKELLER WILLIAMSValisa Schmidley

(916) 412-4924Johnny Fisher(916) 207-4558

VITEK MORTGAGEGROUPJason Mata(916) 798-4733

[email protected]


Homeowner Leslie Kelly, left, talks with real estate agents Valisa Schmidleyand Johnny Fisher in the kitchen of her Wexford home. Kelly and her hus-band recently purchased the home through Schmidley.


24/44

Sponsorships have gone a long way in offsetting the Clubs high cost of fieldmaintenance, equipment, referees and other costs that are a result of running a soccer club of over 100 teams.

With the continued support of sponsors, we are able to provide our children with a high qualitycompetitive and recreational soccer program. Please thank our sponsors by supporting their businessesin the same way they have supported our club.

to our 2011 EYSC Sponsors

Thank You

A Better Place Realty..........................................916-204-9811A+ Personalized Dental Care ofRoseville and Lincoln.........................................916-784-1144A-1 Advantage Asphalt, Inc.................................916-388-2020Advanced Integrated Pest Management...............916-441-0590AEI Maintenance...............................................916-577-5023Armin Maier and Associates...............................916/791-7061ArrayconAsphalt Consulting Services................................916-781-1617B, B, R. & S, LLP................................................916-728-1040Barbieri Commercial Brokerage...........................916-773-3115Beach Hut Deli...................................................916-791-3130Bliss Power Lawn Equipment..............................916-787-1191Blue Rock Property Management........................916-781-7000Brighton Schools................................................916-791-8050Bruno Cellars.....................................................916-223-1766California Stone & Marble Care...........................916-652-9440Cassandra J. Krupansky, DDS, MS, Inc................916-782-2278Cenco Insurance Marketing CorporationClassic Impressions Awards Etc...........................916-791-0710Deeda Salon......................................................916-456-0600Design Work Integration.....................................916-365-5654Donahue Bates Blakemore & Mackey..................916-648-7444Drills and Skills.................................................916-715-8444Evolve Technology Group...................................916-577-2197Extreme Soccer..................................................916-773-4625Farmers Insurance - Chris Altobell .....................916-797-0990FidelityFuture Automotive Group...................................916-786-7878Garri Tsibel D.D.S - Family Orthodontics.............916-789-1100Gastroenterology Medical Clinic..........................916-983-4444Greg Hailey DDS Oraland Maxillo Facial Surgery..916-723-1111Harris Moy Sollazzo Law Group LLP...................916-760-7130Horseshoe Bar & Grill.........................................916-652-4100Hyatt Place Roseville..........................................415-595-7809IntelJalisco Grill - Authentic Mexican Cuisine.............916-783-2030Jay Resendez, Attorney at Law...........................916-899-5049JM Painting.......................................................916-390-2399John B. Palley, Attorney at Law...........................916-920-5983John Birch DDS.................................................916-789-7157Kelly Resendez - Paramount Equity.....................916-899-5049Kniesels Auto Collision Center, Inc.....................916-315-8888Kraft Real EstateLandmark Builders.............................................916-783-0356

Law Offices of Brookman & Wroten................916-925-6700Law Offices of David A Knoll.......................916-447-5297

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LB Construction, Inc..........................................916-624-8404Metlife Home Loans...........................................916-780-0500Michael Wallace D.D.S. and AssociatesNatures Critters.................................................916-77-FROGSNew York Life....................................................916-774-6200Niello Acura......................................................916-339-5501Original Pancake House......................................916-788-3040Palace Club........................................................510-219-5835Paramount Equity..............................................916-290-9999PHA Realty........................................................877-878-4098Placer Tital Company - Jim Johnston..................916-782-3711PMC Refrigeration & Electrical............................916-729-7200Principal Financial Group...................................916-773-3343 x309Professional Education Services..........................916-791-9334Rabobank, N.A..................................................916-797-8282Radiological Associates of Sacramento................916-646-8300Radiological Associatesof Sacramento - Roseville Imaging.......................916-784-2277Rebound Rehab Physical Therapy.......................916-772-2909Richard BD Chun MD Professional Corporation. . .916-783-7118Richard Ferreira Consulting Inc.Roseville Yamaha...............................................916-784-2444Roundtable Pizza -Sierra College Blvd.................916-791-7288Sims, Curran & Ocken........................................916-797-8881Smith - Mottini Financial Advisors......................916-797-1020Spine and Nerve Diagnostic Center.....................916-772-5325Steve and Jen RyderSteve Longoria, DDS..........................................916-983-2900Strikes Unlimited...............................................916-626-3600Stuart D. Greenberg D.D.S..................................916-782-6073Subway Sandwiches...........................................916-772-5524Summit Orthopedic Specialists............................916-965-4000Taco Bell - Granite BayTerry & Lisa ScrantonThe Angelo FamilyThe Glass Guru..................................................916-786-4878The Kleinbach Group.........................................916-797-1224The Mathews FamilyThe UPS Store....................................................916-773-8091The UPS Store #1380..........................................916-207-9240Titen Real Estate - Lynda Chac............................916-289-2833Tower Investments. LLC.....................................530-668-1000TravelersViking Drillers, Inc.............................................916-372-4993Visionary Integration Professionals.....................916-985-9625Weideman Pediatric Dentistry and Orthodontics. .916-962-0577Wells Construction Inc.......................................916-788-4480Wildflower


real estate


25/44


COURTESY DALE CHARLES | COMPAGO.NET

In addition to the homes stunning view, the backyard includes a pool and outdoor kitchen area.

Home on

the RidgeBY EILEEN WILSON

GOLD COUNTRY NEWS SERVICE

Never has a streetaddress more literallydescribed a homes sur-roundings. The home at3930 Ridge St. is tuckedinto a hillside, and thebackyard view featuresnothing but bluffs strad-dling a winding AmericanRiver, early morning

walkers and bicyclistsenjoying the bike path onthe opposite bank. Theview extends for easily a

mile in either directionand is one of the finestviews in Fair Oaks.

HOT PROPERTY

Where: 3930 Ridge St.,Fair OaksSize:4 bedroom, 5bath. 5,755 square feet,.85 acresPrice: $1,795,000Contact:

Kendra Bishop,the Bishop Real EstateGroup, (916) 458-5488

real estate

SEE PROPERTY PAGE 26


26/44

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PROPERTY: Interior filled with natural touches stone, planters and woodcontinued from page 25

PHOTOS COURTESY DALE CHARLES | COMPAGO.NET

Above, The luxurious master suite comes alive with brilliant sun and an airy,fresh feel thanks to windows and a coffered ceiling. At right, back-facingrooms all include access to the extensive decks that overlook the river.

A brick faade, which hides a secretcourtyard complete with wrought irongates, circular hedges and riotously col-

orful orange trees, gives only the merestglimpse of what awaits inside.

The entry is filled with stunning sur-prise.

Forty-foot ceilings are dotted withskylights and thousands of feet ofgleaming glass are all designed to takein a view that is beyond compare.

Though the view steals the show, theinterior is beyond compare, as well.Original wood floors, decorated in ashowy yet down-to-earth herringbonepattern, fill the home with warmth andcomfort, as do large beams chiseledwood timber lintels throughout.

Every beam points toward the river,said Dana Svanum of Bishop RealEstate. I love the way they have kept theoriginal floors and the original brickwork. This was Dean Ungers design, toput these timbers in here. The timbers

are all, in some way, related to the river.The interior is filled with natures

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SEE FAIR OAKS PAGE 28

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FAIR OAKS P t li t d ll th d t A i Ri


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The kitchen is noexception. A Juperanogranite, filled with golden

swirls, gives an almost artdeco look, according toSvanum. Distressed black wood cabinetryenhanced with goldembossing is the perfectcontrast to the light andlovely granite.

The kitchen, recentlyupdated, includes a

blond-wood, granite-topped center island,crystal and iron chande-liers, sub-zero refrigera-tor, built-in microwave,

double ovens, four-burn-er cook top with grill,compactor, and enoughdrawers and shelves tohouse the most impres-sive cookbook library andgourmet condiments.

But the cooks favoritespot will be the doublestainless sink, where you

can gaze at nothing buttreetops and the riverbeyond.

The area includes along butlers pantry fea-

turing granite toppedsink with a separatepantry for dry goods, aswell.

Svanum describes thehome as having an EastCoast feel a style thatcarries from the homesfront courtyard andentry, down to the

unique, oversized gameroom with antique-door wine cellar on the sub-floor level.

Back-facing rooms all

include French-dooraccess to the extensivedecks that overlook theriver, and each rear-fac-ing room includes a largeplank lintel, as well.

But its the mastersuite, complete with cof-fered ceiling, whichSvanum describes ashaving a luxurious cop-per look that comes alive with brilliant sun andairy, fresh feel.

A marble-encased fire-

place, built-in marblenight tables, and a largeseating area define thespace that takes perfectadvantage of river views.

A wonderful andunique feature of thehome the masterincludes separate his andhers bathrooms.

His includes marblevanities and access to asmall brick seating areain the homes side yard,while hers includes allthings grand a sunken jetted tub, large showerand sink areas, seatedmakeup area, and exten-sive furnished closet with

drop-down ironing boardand a marble-toppedisland.

In addition to thehomes stunning view,

the backyard includes apool, extensive deckareas, and outdoorkitchen with built-inbarbecue, glass frontrefrigerator and stainlesssink.

Its a rare opportunityto be in a house on theriver. On a clear day, youhave snow-cappedmountain views, as well,Svanum said. And theproperty line goes all theway down to the river.

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Henry F. Miller


FAIR OAKS: Property line extends all the way down to American Rivercontinued from page 26

Upside-down homeowners can now take advantage of revised HARP


29/44

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Upside down homeowners can now take advantage of revised HARPBY KEN PAGLIA

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An expanded federalprogram will soonallow some severely

underwater homeowners

to refinance at todayshistorically low interestrates.

President Obamas2009 Home AffordableRefinance Program, orHARP, originally permit-ted homeowners who were less than 125 per-cent upside down to refi-nance. But in Octoberthat upper limit was lift-ed. Banks are now figur-ing out how to imple-ment the revamped pro-gram, and are aiming tomake it available to con-sumers on March 17.

HARP is a great boostbecause it should lowermortgage payments for

those who have beenstuck with higher interestrates. Everyone could usea few hundred dollars amonth raise, said JeffEberhart, a Loomis-

based mortgage consult-ant who has done dozensof HARP loans for North-ern California clients.

Homeowners who areless than 125 percentupside down can takeadvantage of the pro-gram right now, andthose over 125 percentshould wait until March17.

To qualify, an ownersfirst mortgage must beowned or insured by Fan-nie Mae or Freddie Mac,and obtained by thembefore May 2009. Bor-rowers cannot havemissed any mortgagepayments in the past six

months, and not morethan one payment in thepast year. Homeownerswith a second mortgagecan take advantage ofHARP as long as the sec-ond lien holder approvesthe refinance.

Matt Sundermier, aconsultant at BentleyMortgage in Folsom,touted HARP as a timely

relief for responsiblehomeowners who havetoughed it out and con-tinued to make paymentsdespite a sour economy.

The only downside Isee to HARP is that itdoesnt include every-one, Sundermier said.

Roseville homeowner Vince Santucci, one ofEberharts clients, was

155 percent upside downon his first and secondmortgage combined,admitting he didnt thinkit would be possible torefinance.

But last February heapplied, and in less than30 days saw his interestrate drop.

It went pretty seam-lessly, and I cant com-plain about saving mon-ey, said Santucci, 43, astate employee.

Of course, HARP isnt asilver bullet, and doesnthelp homeowners getabove water on theirloans. A loan modifica-tion including a principalbalance reduction is stillthe only way to get outfrom being underwater,and todays lenders arentvolunteering to do that.

The reality of todays

mortgage crisis is that theonly people who will getrelief are those who arewilling to walk away fromtheir loans and stop mak-ing mortgage payments,

said Eberhart.So while HARP may

not be the end-all, be-allsolution, it most certainlyoffers a bit of a lifeline.

It allows people whohave been making theirmortgage payments ontheir home that is worthless than what they oweto finally take advantageof the ridiculously lowinterest rates, and willhopefully keep one morehomeowner from goinginto default and addingto the foreclosure crisis,said Eberhart.

Jeff Eberhart can bereached at [email protected].


It allows people who have been making

their mortgage payments on their home that

is worth less than what they owe to finally

take advantage of the ridiculously lowinterest rates, and will hopefully keep one

more homeowner from going into default

and adding to the foreclosure crisis.Jeff Eberhart, mortgage consultant

ND OPEN


30/44

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31/44

For Tickets or additional information contact Linda Shuman-Prinsat [email protected] or 916-774-7988

Photos by Jacquelin Photography

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present

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maker and other suppli-ers, Hendricks said.

He also listed our oldtoilets and cabinets onCraigslist, Christine said.They sold in a day ortwo.

Hendricks workedsteadily on the kitchen,which, from start to fin-ish, took from January toMarch 2010.

Id come home from work and somethingwould be missing, like thesink, Christine said.

The living room fire-

place and office weredone in September 2010and the master bath tookthree months to com-plete last spring.

Im no longer makinghim nervous with talkabout a new house,Christine said. Im much

happier with this houseand Im not going tomake him move.

Dave Hendricks thinksthat others can undertakedo-it-yourself projects. Ifthey have the talent, thetime and the passion,theyll save money.




Dave Hendricks remodeled the hallway in his Granite Bay house with tileflooring.

I drove thousands of miles

and spent hundreds of hours

visiting tile shops, the cabinet

maker and other suppliers.Dave Hendricks, Granite Bay, DIY remodeler

DIY:Wife would come home from work tofind parts of the house missing, like the sink

SENIORS: Statistics show 95 percent of assisted-living seniors say move was best thing ever


32/44

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Our parents are of the gener-ation that has a fear that thesemight be nursing homes,Blocker said. But statistics bearout that when it comes to a

resistant parent entering a liv-ing community, 95 percent ofseniors think the move is thebest thing that ever happenedto them after just two weeks.

When it comes to knowing when its time to seek help,Blocker has a few questions toponder:

How is the house managed? Has your loved one stopped

keeping the house in the condi-tion that they have for 50 years?

Is the family member losingweight?

Is he or she falling? Are medications taken on

time, or are they forgottenentirely?

Is there food in the house?

She explained that while sen-iors tend to sit in their homesand watch television and eatfrozen meals, their quality of life,and their health and longevityare substantially improved by

moving to a living community.Caldwell recommends a liv-

ing community, if only for thesocial stimulation, as well.

If the elder is dining alone,experiences isolation, showssigns of hoarding, it would betime to look into making amove, Caldwell said. Some ofour residents here are like theBelle of the ball, others wouldrather sit and read quietly. Werecently had a Granite Bay High

School student visit, and shesaid, Oh my gosh, this is justlike a sorority house for womenin their 80s.

Who would have believed, acouple of decades ago, that 80would be the new 20?


p g y g


The residents at Eskaton in Granite Bay were treated to chocolate-dipped strawberries dur-ing a big Valentines Day event.

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33/44

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A n hA photojournalism exhibit ofone 24 hour day in Roseville

EXHIBIT DATES:March 3 March 31, 2012 Tuesday Saturday 11am-3pmSilent bids open: March 3 March 31, 2012 until 3pm

EVENT:Live auction of photojournalism ar twork created by Press Tribune Photographers andRoseville Residents. Includes Desserts, Wine Bar and Entertainment. Benefits RosevilleArts! Blue Line Gallery and Placer ARC Studio 700.

Photo Courtesy of Lang LewPhoto Courtesy of Lang LewPhoto Courtesy of Lang Lew

Saturday, March 31, 2012 6:30-8:30pmLive music by Breez

www.breezmusic.net

TICKETS: $10/pp online thru March 30, 2012 $15 at the door(online ticket pick up at the door)

6:30pm: Breez7pm: Placer ARC Performing Arts Willy Wonka Snippets

7:20pm: Live Auction

Blue Line Gallery 405 Vernon St. in Roseville

For information, ticket sales and to view a slide show of entries, go to:http://www.rosevillearts.org/events/around_the_clock.html

Extended Exhibit Dates:April 2-May 31, 2012Roseville Civic Center, 311 Vernon St. M-F 8am-5pm

Roseville Downtown Library, 225 Taylor St. M-F 10am-5pm & Sat. 12-4pmPlacer ARC, 522 Vernon St. M-F 8am-5pm

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IN BRIEF

Soil in the spotlight at Call (530) 878 6053 or visit (916) 316 5873 stationary bulls eye targets A guardian The clinic cost is $15


34/44

James M. Jack, D.D.S.

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Soil in the spotlight atPlacer Nature Center

The Dirt on Soil, PlacerNature Centers First FridayLecture, will be presented from7:30-9:30 p.m. Friday, March 2,

at the State Theater, 985 Lin-coln Way, Auburn.Dr. Toby OGeen, a soil

resources specialist, will dis-cuss the vast ecosystem underour feet.

Cost is $12 general admis-sion and $9 for students andRoseville residents (with ID).

Call (530) 878-6053 or visitwww.placernaturecenter.org.

Rose Society has beenblooming for 50 years

Sierra Foothills Rose Societysmonthly meeting will be at 7:30p.m. Thursday, April 5, in theSenior Meeting Room at theMaidu Community Center,1550 Maidu Drive, Roseville.Topic is the 50th anniversarycelebration. For more informa-tion, contact Sue Bennett at

(916) 316-5873.

Fish and Game hostsyouth archery clinic

The Department of Fish and

Game will offer a spring youtharchery clinic to individuals who want to learn basicarchery skills and spend timeoutdoors. The class will includefundamental archery instruc-tion, use of various types ofequipment and supervisedshooting time at a selection of

stationary bull s-eye targets. Abrief outdoor stewardshippresentation will be included.

The Youth Archery SpringFling Clinic is scheduled forSaturday, April 28, from 9:30a.m. to 1 p.m. at the Maya

Archery Range in Roseville, 750Galleria Blvd. This range is par-tially operated by the CaliforniaState Archery Association andclub volunteers.

The clinic is open to youth (8to 12 years old) and teens (13 to17). Participants must beaccompanied by a parent or

guardian. The clinic cost is $15per youth or teen, whichincludes the use of the equip-ment, snacks and lunch. Parentsand guardians also are includedin the lunch at no additionalcharge. DFG co-sponsors the

clinics with the California Bow-men Hunters/State ArcheryAssociation.

Pre-registration is requiredand space is limited. Registeronline at www.dfg.ca.gov/yo/registration.html. For moreinformation, call Lesa Johnstonat (916) 322-8933.

Granite Bay grad heads to Tanzania for dance program


35/44

BY SENA CHRISTIAN

GRANITE BAY VIEW

A Granite Bay HighSchool graduate hasmade it big time, dancingat Juilliard in New YorkCity with her future sightsset on Broadway.

But thats not all, folks.Molly Griffin, 20, is

raising funds for a pro-gram called the ArushaArts Initiative, which usesdance, drama and music

to empower young peo-ple in Tanzania. Griffin isgoing to the east Africancountry with nine otherJuilliard students for onemonth this summer.

This will be the groupsfourth time teaching per-forming arts in Tanzania,and Griffins first timeparticipating.

Im really excited, butalso nervous, Griffinsaid. Im shocked Imable to do this.

Shes never traveledsuch a long distancebefore, let alone for anextended stay. Her group will run a workshop atthe Umoja YouthEmpowerment Center, aschool that provides free

education to studentsage 15 to 30 who havedropped out of govern-ment-run schoolsbecause of poverty.

Tanzania home toMt. Kilimanjaro and theSerengeti is celebrat-ing its 50th anniversary ofindependence fromEuropean rule this year,but the nation remainspoverty stricken.HIV/AIDS is the leadingcause of death for adults.For children, its malaria.

The Arusha Arts Initia-tive began in 2008, and isnow led by Juilliard stu-

dent Jenna Pollack. Grif-fin, who graduated fromGranite Bay High Schoolin 2009, and Pollard are

both third-year students,and two of only 24 pupilsin their class.

She comes to class

calm and prepared, andmaintains a sense ofhumility that is so rare forsomeone with all of hertalent, Pollack said. Andit has translated into herwork with the Initiative.

Pollack said Griffins

long-term goals as anartist and teacher makeher a perfect fit.

The programs 10 stu-dents will stay in a hosteland ride the public bus tothe youth center eachmorning, where they will

break the Tanzaniansinto three groups. Griffinwill help lead the danceworkshop.

Were going to teachdance, Griffin said. Notthe technical stuff welearn about at Juilliard,

but the basics of moving your body and differentways of expressing your-self. You see the confi-dence rise in people andthats the most amazingthing I love about teach-ing.

MARCH MADNESS!MARCH MADNESS!We have goneMAD . . .Name your own price for the

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Private Music LessonsMake The Difference!

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Piano

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Voice

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Molly Griffin raising moneyfor Arusha Arts Initiative

ARUSHA ARTS INITIATIVE

To donate by check, make payable to The Fieldand write Arusha Arts Initiative on the memo line,Mail to Arusha Arts Initiative, Attn: Jenna Pollack, 60

Lincoln Center Plaza, No. 713, New York NY 10023.Info: Email [email protected] or visitwww.arushaartsinitiative.org.

Granite Bay grad heads to Tanzania for dance program

Jeff Skyes,fourth fromleft, and Mar-cus Guy, farright, lead stu-dents in adance in Tan-

zania in 2011.COURTESY JENNA

POLLACK

Molly Griffin

Understanding exercise-induced weight gain


36/44

Expires 4/30/12.One per individual. Expires 4/30/12.


It is common knowl-edge that exerciseburns calories and

helps you to shed extra

pounds.Armed with this knowl-edge, many people thinkthat losing weight shouldbe easy with enough exer-cise. You may take this asbad news, but the truth isthat for those who arentused to exercising and areout of shape, beginningan exercise program mayactually lead to weightgain.

This fact, however,shouldnt stop you fromexercising, as youll even-tually turn the weight cor-ner and start losing.

What is it about exer-cise that may cause somepeople to gain instead oflose weight?

Muscle Mass: One of themain reasons exercisingcan lead to weight gain isthat it promotes thegrowth of muscle mass.

If you ar

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Granite Bay View - March 2012