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Home and Garden Guide Fall 2011

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Page 1: Home and Garden Guide Fall 2011

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Page 3: Home and Garden Guide Fall 2011

SEPTEMBER 30, 2011 HOME & GARDEN THEPRESS.NET | 3B

and other everyday renovations. For project elements the company does not personally perform, such as pool installations, TD enlists associated companies to help.

“We know who the best guys are,” said Curtis. “If a customer comes to us, they have access to all that experience.” He sees TD Construction’s focused approach to business as one of its major assets. “We’ve found that you need to specialize. Be good. Be the best at what you do.”

TD Construction makes a point of breaking the stereotype that contractors don’t fi nish by their promised deadlines. “We are on time,” said Curtis. The company also prioritizes communication with clients. “We know what we’re doing, but it’s

important that we let the customer know what we’re doing.”

The company’s focused approach and emphasis on quality have earned the praise of clientele and a steady infl ux of referrals. When TD takes new clients on tours of previous projects to help them visualize their own dream yards, their former customers are smiling, happy and still grateful years later.

Curtis enjoys the excitement generated by the successful completion of a project. “At the end of the process, we’ve got customers high-fi ving us and telling the world.”

TD Construction offers complimentary consultations. Call 925-516-6240 or visit www.tdconst.com.

To comment, visit www.thepress.net.

Staycation from page 2B

Photo courtesy of TD Construction

From pools to fences to gazebos, TD Construction coordinates

expert craftspeople in

transforming your backyard

into what you’d like it

to be.

Page 4: Home and Garden Guide Fall 2011

4B | THEPRESS.NET HOME & GARDEN SEPTEMBER 30, 2011

How your garden grows is up to you

If you’re tired of the constant

mowing, watering and general

care involved in keeping your

fi eld of dreams green – yet you still

want a beautiful yard – plenty of

options are available that aren’t merely

drought resistant, but colorful, resilient

– and yes, low-maintenance.

“I would defi nitely say that the trend is toward people taking out their lawns and putting in something that looks nice and takes less water,” said Abbie Villasenor, who works at Eden Plains Nursery in Brentwood. “It used to be that people were taking out their lawns because of the water issue, but now a lot of people also do it because it’s less maintenance and work.”

If your dream is to create an outdoor environment that’s low-maintenance yet in constant bloom, a combination of annuals (plants that stay green all year) and perenni-als (the fl owers die and come back) is your best gardening bet.

Many annual options include shrubs and ground covers that grow fast, bloom in abundance and stay green year-round. Popular picks include escollonia (an ever-

green with pink fl owers that grows to a height of four feet) and heavenly bamboo (a shrub displaying white fl owers and red berries). Indian hawthorn is a low-mainte-nance, drought-resistant pink and white fl owering shrub that grows well in most climates.

Succulents – known as “fat plants” for

their water-retention properties – are also popular. The most well-known varieties are cactus and aloe, but the fast-spreading and brilliantly colored portulaca plant is also a perfect example of an annual succulent.

“Succulents are pretty and they don’t take much water,” said Villasenor. “They’re good, hardy plants that grow almost

anywhere.”As for perennials, the sky’s the limit

when it comes to choosing the plants and shrubs that are right for your garden. And if you’re looking to replace that lawn with ground cover, verbena (famous for its

R U T H R O B E R T S

see Garden page 12B

Succulents like these aeoniums are good choices for gardeners looking for a low-maintenance, drought-resistant plant.

Photo by Richard Wisdom

Page 5: Home and Garden Guide Fall 2011

SEPTEMBER 30, 2011 HOME & GARDEN THEPRESS.NET | 5B

Trevor’s Weekly Mortgage MattersBy Trevor Frey

Th e Age of the Machines…

– Advertisement

…and that’s no reference or nod - although

there should be so please consider this that nod

– to the Machine Age. Th e early 20th century

and late 19th century, between World War I

and World War II, saw more complex mod-

els of technology being produced (across the

board) than any time before it’s time. Th e fi rst

computer ever invented and the invention of the

transistor made way for mass production; earth

moving machinery, skyscrapers, the railroad, the

automobile, and aircraft s just to name a few.

Fast forward a century’s worth of technol-

ogy and advancements have gone too far. Too

many people are trying to make too many things

automated – insert here the real estate market

and/or the stock market – and we’re all paying

the price for it. At the time this article was being

written (September 20, 2011) 70 percent of all

stock trades made were made using algorithms.

In one such case – Rebellion Research – a

computer program analyses decade’s worth of

stock market data, and, aft er coming up with

a long term strategy, gives Rebellion’s traders a

list of buy/sell orders every morning. Combine

that with that fact that the “malfunctioning” of

these algorithms has more than once caused the

shutdown of the London Stock Exchange and

you should start to wonder what’s wrong with

this picture.

Th is brilliant way of thinking – the whole

more production, less person, let’s become

automated – has been aff ecting the mortgage

business for quite some time, and now it seems

as if things have once again gotten worse. As

an example, Quicken Loans has their newest

commercial stating “Quicken Loans, Engineered

to Amaze!” Last time I checked, the mortgage

business, stock business, or any other business

for that matter was personally related to the

people, not “Engineered to Amaze.”

On that note, and to continue showcas-

ing how bad things have gotten, all new ap-

praisal/appraiser guidelines were put into place

September 1, 2011. Th e thinking behind this

was simple; make everyone across the country

more effi cient by putting them all on the same

platform. By automating appraisal reports we’ve

essentially cut out our local appraisers’ vocal

cords. No longer will they be able to “comment”

with such appraiser-discretion. Th ey (apprais-

ers) now have to pick certain drop downs from

certain categories. No more commentary, only

automation. In theory, at least in the minds of

the powers that made this decision, it’ll be easier

for big banks to review appraisals (because

they’ll all look the same)…making quality con-

trol that much easier.

However, if you follow “Th e Age of the

Machine” theory, you wouldn’t have any issue

with an Alabama appraiser appraising your delta

front property. What’s the diff erence in the eyes

of the banks…comments don’t matter. Th at

said, please be aware; appraisals will be tighter

in the months to follow. Please, please, please,

make sure you review your appraisal with your

lender to ensure you understand it.

If you have any real estate lending related

questions or concerns don’t hesitate to write

me at [email protected] or call me

directly on my cell phone, (925) 726-1444.

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6B | THEPRESS.NET HOME & GARDEN SEPTEMBER 30, 2011

Flow into fall with help from feng shui

As summer begins to fade, the signs

of autumn are as abundant as the

season’s harvest. The air wraps

us in a blanket of chilled anticipation as the

leaves burn yellow and red, signaling that

winter won’t be far behind. It’s a time to pack

away beach blankets and dust off raincoats.

The energy in the earth is changing, but a few

changes to your home can help channel that

energy into a cozy winter environment.

Feng shui, a technique believed to increase the flow of energy called “chi” in your home to influence your life on a greater scale, has been around for centuries. Originally prac-ticed by ancient Chinese emperors, feng shui, pronounced “fung shway,” was thought to be a guaranteed method of organization to influence energies, which would translate into the success or failure of a kingdom. Contemporary feng shui practices are personalized to the individual, but many practitioners believe that by balancing your yin and yang energies, you can lead a happier, healthier and more prosperous life.

Feng shui practitioners seek to balance the energies in their homes, creating an environment

that exudes a desired ambiance. The belief is that when chi fl ows freely through your home, you’ll be able to generate more creativity to help you succeed in many aspects of life, from relationships to business.

According to renowned feng shui expert Betsy Stang, autumn is a time to refl ect nature and purge your home of dead energy to make way for new, positive energy. Basically, out with the old and in with the new – just as trees shed their leaves to make way for blossoms in the spring. Decluttering your living space is a good way to begin a feng shui-inspired lifestyle. Eradicate piles, clear pathways and toss things you don’t use or need so that chi may fl ow more freely in your home. You don’t need to buy new furniture or turn your house upside down. Just open up your space and become more in tune with the energies fl owing within your home.

According to Stang, since the rain and cold of autumn and winter drive us indoors, feng shui is especially important right now. It helps us create a relaxing and inviting space for those shortening days and lengthening nights. Stang suggests placing a comfy chair in the corner of a room and creating a cozy reading nook, complete with a blanket, a small end table for our steaming cup of coffee or tea, and a lamp that offers a warm, golden glow, much like the sun.

Since we’ll spend more time indoors, Stang

S A M I E H A R T L E Y

Feng shui experts suggest creating a reading space in your home this winter – a cozy, relaxing area to wait out the cold weather.

Photo courtesy of Open Spaces Feng Shui

see Feng Shui page 13B

Page 7: Home and Garden Guide Fall 2011

SEPTEMBER 30, 2011 HOME & GARDEN THEPRESS.NET | 7B

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New Law on Short SalesWhat you Should Know to Protect Yourselfby Joan Grimes, Esq.

– Advertisement

Eff ective July 15, 2011, California Code of Civil

Procedure (“CCP”) 580(e) was amended to prohibit a

defi ciency judgment on any loan secured solely by a deed

of trust on a 1-4 unit dwelling sold in a short sale. Enough

legal jargon…what exactly does this mean and how does

apply to you?

First, it means that if your lenders agree to a short

sale, it will release you from your personal liability on loans

secured solely by a deed of trust against a dwelling of 1- 4

units. If the lenders want the short sale to go through,

they will have to be satisfi ed with the proceeds from the

sale. Th e banks can no longer demand that borrowers

sign promissory notes… AND no more tricking borrowers

into believing that releasing of the lien was in fact releasing

their personal liability. Th e lenders do not have to agree to

the short sale, but if they agree, they cannot come aft er you

once the short sale is completed. However, if you think

this is too good to be true…you’re right. Keep reading!

Second, there is no requirement for a release of

personal liability on anything other than a consensual

lien i.e. no requirement to release judgment lien or

liens placed on the property such as by a homeowners

association or taxing authority. Th ese parties do not have

to agree to accept the proceeds from the sale as payment

in full. Th e forgiveness of personal liability also does not

apply to borrowers who are corporations, limited liability

companies, limited partnership or political subdivision of

the state. In addition, it also does not prohibit the lender

from obtaining a judgment for fraud with respect to the

short sale or waste committed to the property.

Th ird, CCP 580(e) does not release you from any tax

liability. Remember, every short sale has tax implications.

Th e IRS/State Franchise Tax Board wants to know two

things: 1) Did you make any money on the deal and 2)

Did you borrow any money which was not repaid? If you

made money on the deal, including taking out cash to

buy another house, car, pay off credit card, you may have

a gain. If you borrowed money which was not repaid, you

will have Cancellation of Debt Income (“CODI”). CODI

will be taxable to you at your current tax rate unless

an exception applies. Make sure you know all the tax

implications before the short sale is completed. If there is

CODI, it can be discharged in bankruptcy, but only if the

bankruptcy is fi led prior to the short sale being completed.

In conclusion, CCP 580(e) is a mixed bag for

consumers. It may help reduce personal liability while

increasing tax liability. Th ere is no question that this new

law is going to hurt the lenders and help the IRS and State

Franchise Tax Board. Th is will be found money for the

tax man. Borrowers will see the forgiveness of personal

liability and completely disregard the tax consequences.

Don’t be one of those people! If you are considering a

short sale, seek legal advice prior to starting the short

sale process. Th is is a complicated area of the law, but a

bankruptcy or real estate attorney should be able to make

to an analysis of your particular situation fairly quickly.

I see people for a FREE 30 minute consultations at my

offi ces located in Walnut Creek, Antioch and Brentwood.

THIS INFORMATION IS NOT PROVIDED AS

LEGAL ADVICE AND SHOULD NOT BE RELIED

UPON IN MAKING ANY DECISION REGARDING A

VOLUNTARY DEFAULT, SHORT SALE, FORECLOSURE

OR BANKRUPTCY. THIS INFORMATION IS NOT

A SUBSTITUTE FOR OBTAINING TAX & LEGAL

ADVICE REGARDING AN INDIVIDUAL SITUATION.

GRIMESBKLAW.COM (925) 323-7772 © 2011 Joan Grimes

Page 8: Home and Garden Guide Fall 2011

8B | THEPRESS.NET HOME & GARDEN SEPTEMBER 30, 2011

A down-to-earth guide to home heating and cooling

High energy costs have many

homeowners looking for

new ways to save money.

According to the Department of Energy,

the average homeowner pays about

$1,900 annually on utilities, most of it in

heating and cooling bills.

A growing number of homeowners are fi nding savings in their own backyards by utilizing the earth’s natural energy to heat and cool their houses. It’s called geothermal energy – and it can save you some green while you’re going green.

The geothermal system – also known as ground source heat pump system (GSHPS)

see Heating page 9B

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Photo courtesy of Getty Images

Page 9: Home and Garden Guide Fall 2011

SEPTEMBER 30, 2011 HOME & GARDEN THEPRESS.NET | 9B

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OLD MEDALAWARDMEMBER

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or geothermal heat pump (GHP) has been around for decades but is only now coming to the attention of many homeowners.

The Department of Energy and the Environmental Protection Agency have both endorsed GSHPS as among the most energy-effi cient and environmentally friendly heating, cooling and water heating systems available.

How it worksThe temperature of the earth – from a

few feet to hundreds of feet down – is moder-ate and fairly constant. In many places it stays in the mid- to upper-50s all year. Instead of

burning fossil fuels, a geothermal heat pump absorbs the energy stored in the earth to heat a home in the winter. In summer, a heat pump rejects the heat from the space and transfers it back into the earth – making it effi cient and cost-effective.

To make it work, you need three elements: an underground loop system, a geothermal heat pump and an air-delivery system:

Loop system: This is a system of high-den-sity polyethylene plastic pipes buried in the ground. They’re fi lled with a mixture of water

Heating from page 8B

Photo courtesy of Getty Images

see Heating page 14B

Page 11: Home and Garden Guide Fall 2011

SEPTEMBER 30, 2011 HOME & GARDEN THEPRESS.NET | 11B

the region’s average date for a hard frost and calculate back the weeks needed to successfully grow a full late-season crop.

Rotate plant location. For example, if peas were planted in the spring in one section of the garden, don’t plant them in the same location for the fall grow-ing season. Use instead that area of the garden for spinach this time around. Rotating crops helps the garden’s soil to replace and retain valuable nutrients naturally.

The garden needs food to thrive. Feed edibles, whether in an in-ground garden or in container pots, with Miracle-Gro Shake ’n Feed Tomato, Fruits & Veg-etables Plant Food Plus Calcium. One application feeds plants for up to three months – plenty of time for the fall garden to produce a harvest of delicious vegetables – and contains calcium to help plants grow better quality, longer-lasting fruits and vegetables.

Keep an eye on plants as they grow, and water daily and protect from the

dangers of a hard frost. Monitor weather reports. If a hard frost is predicted earlier than expected, cover the crops with blan-kets or plastic for the night, and uncover in the morning, once the threat of freez-ing has passed.

Harvest plants as they reach maturity. Sometimes a chilly night with a slight frost can enhance the fl avor if vegetables are picked during or immediately after the temperature drops.

Get a family member to record the en-tire growing season through the winter frost, keeping track of what was planted, the date it was planted, the fl avor of the vegetables harvested and even which recipes the family made and enjoyed with the produce. Use this information next year to better plan the fall garden and increase the amount of produce harvested.

Scotts plant food products can be found at Ace Hardware stores at 8900 Brentwood Blvd. in Brentwood; 305 Main St. in Oakley; and 501 Sunset Drive in Antioch.

Harvest from page 10B

Page 12: Home and Garden Guide Fall 2011

12B | THEPRESS.NET HOME & GARDEN SEPTEMBER 30, 2011

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purple and pink fl owers) and lantana (also in a variety of colors) are two excellent choices for fast growth, year-round fl ow-ers and hearty constitutions. Agapantha – or lily of the Nile – is also a popular perennial, as is the beautiful hydrangea, although it requires more shade than some of the other shrubs.

And don’t forget the bulbs.“Accent items such as irises or tulips

or any kind of bulb are nice additions,” said Villasenor. “Because they pop up in the spring and add a splash of color.”

But for those looking for a design

that requires even less maintenance, there are other options. “The bark and rocks are very popular,” said Villasenor. “Another thing that’s popular is the mound look with moss boulders. It kind of creates a creek bed effect with plants accented along the edges. It’s very pretty and a bit different.”

So whether it’s a perennials-only yard, annuals-alike garden or a combination of the two, the perfect outdoor environment is the one that ultimately best fi ts your sense of style – and lifestyle.

To comment, visit www.thepress.net.

Garden from page 4B

Photo by Richard Wisdom

Shrubs provide quick, effective ground cover and come in a variety of colors and sizes.

Page 13: Home and Garden Guide Fall 2011

SEPTEMBER 30, 2011 HOME & GARDEN THEPRESS.NET | 13B

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also suggests introducing natural elements into décor, such as a bowl of pine cones, or stones placed on a shelf to welcome Mother Nature’s presence. Feng shui expert Debra Duneier encourages us to warm our homes by using the kitchen to bake up inviting aromas. The heat from the oven will warm the halls while the scent of cookies will take you back to the peaceful days of your youth.

Nationally recognized feng shui consultant Ken Lauher urges feng shui beginners to clear their entryway so that chi can fl ow freely into the home and

circulate through each room. If the front entryway is blocked, nature’s positive energy can’t enter your home. Feng shui means wind and water, and like those elements, it’s fl uid – but can’t be forced into a space.

As wind and water are the central elements of the practice, experts also suggest that beginners hang wind chimes in order to hear and feel the movement of the air. Since the sound of fl owing water increases positive chi, it’s helpful to install a small aquarium or water feature such as a tabletop fountain.

To comment, visit www.thepress.net.

An expert in feng shui can help

you arrange your home according to a Bagua map

such as this, which outlines a home’s energy fi elds and

their associated colors, based on the location of the front

door.

Courtesy of liulifengshui.blogspot.com

Feng Shui from page 6B

Page 14: Home and Garden Guide Fall 2011

14B | THEPRESS.NET HOME & GARDEN SEPTEMBER 30, 2011

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and antifreeze that circulates throughout the pipes. Open-loop systems circulate water drawn from a well.

Geothermal heat pump: The geothermal heat pump extracts heat from the fl uid within the loop. This heat is then sent into the house. In the summer, it extracts heat from the indoor air and transfers it to the fl uid, which cools as it circulates through the loop.

Air-delivery system: Most geothermal pumps use an electrically driven fan to distrib-ute the air through ducts in the house.

A residential system can also be equipped to heat household water.

According to the International Ground Source Heat Pump Association, a geothermal system is 50 to 70 percent more effi cient than other heating systems, and 20 to 40 percent more effi cient than available air conditioners. That means direct savings on utility bills.

How it saves you money

According to Bosch Thermotechnology

North America:Geothermal heat pumps have the low-

est life-cycle cost today – 25 to 50 percent less than a conventional system.

You can save up to 70 percent on your energy bill, depending on your location and which GSHPS you use.

Although the upfront costs are often higher than a conventional system, the cost can be recouped within a short period of time – as little as five to seven years.

Take advantage of state, local, utility and federal incentives that promote renewable energy and energy effi ciency. Look up re-bates, tax credits and fi nancing options in your area at the Database of State Incen-tives for Renewables and Effi ciency, www.dsireusa.org.

Whether you’re looking to build a new, more energy-effi cient house, or want to cut back your utility bills on your current house, consider exploring ways you can use the energy Mother Nature has in your own yard. Learn more at www.bosch-climate.us.

Heating from page 9B

Page 15: Home and Garden Guide Fall 2011

24B | THEPRESS.NET HOME & GARDEN SEPTEMBER 30, 2011

Trilogy at The Vineyards brings boomers and grandchildren togetherWhen it comes to what matters most

in retirement, driving distance to family and friends is the most important factor, according to a recent online survey of over 2000 boom-ers by Trilogy by Shea Homes.

To celebrate family, Trilogy at The Vine-yards, located in Brentwood, recently held its own version of the popular television comedy series “Kids Say the Darndest Things” at its Labor Day Barbecue Party. Grandchildren of Trilogy residents answered questions rang-ing from “what’s your mom’s favorite thing to do?” (“lie down,” one replied) to “what are your grandma and grandpa’s names? (“Grandma and Grandpa,” said another with a puzzled look). Responses from the children brought laughs from the audience of residents and families alike.

The celebration was just one of many events offered by Trilogy that focuses on strengthening family bonds. Others include summer festivals complete with clowns, dunk tanks and games; a renowned Easter egg hunt attracting over 100 children; Fourth of July celebrations with bicycle and golf cart parades; “Dive In” movies viewable from the pool, and more.

“At Trilogy at The Vineyards, we realize the importance of family,” said Dan O’Brien, area president, Trilogy Northern California, Shea Homes, Inc. – and Trilogy resident. “So many of our members move here to be close to their children and grandchildren. It’s fun to see members enjoying grandchildren at the swimming pool or at lunch on the Club Los Meganos patio, and for us to also enjoy time with our families here.” O’Brien and wife Kathy made a priority of being near their son, Shaun, daughter-in-law and two granddaugh-ters in Foster City.

“Out of all of the places we could have picked to live, we chose Trilogy at The Vine-yards because of the people,” O’Brien added. “We got to meet them fi rst because of my role here but then quickly got to know them as friends. We love the lifestyle – celebrating with friends, enjoying fi ne wine and taking it all in.”

What do O’Brien’s granddaughters think of the Trilogy at The Vineyards community? “Grandpa has the coolest house we’ve ever seen,” said 7-year-old Aspen.

“We love to go to the club; everyone waits on us like we’re royalty and we’re at a fi ve-star resort,” said a perky Kylee, age 9. “I love the swimming pool; I feel like we’re on vacation.”

Trilogy at The Vineyards boasts the award-winning Club Los Meganos, a new 34,000-square-foot private club and center-piece of the community, which is open to ho-meowners and their families. It offers diverse fi tness classes and high-end equipment at the Delta Athletic Club, plus two pools, a culinary studio and bistro-style restaurant, an event center and a grand living room, as well as lux-urious treatments at Sawã Spa (both grand-daughters highly recommend the princess manicure and pedicure there). Outdoor ame-nities include The Los Olivos Tennis Pavilion with four courts to choose from, three miles of wine country walking trails and more.

In addition to community activities and amenities, the local area also offers a num-ber of options for fun. Trilogy at The Vine-yards is set in the middle of 30 acres of active vineyards, 18 acres of olive orchards – and a breathtaking view of Mount Diablo.

“Our families love to come to Brentwood to visit us, pick fruit at Nunn Better Farms or enjoy the farmers’ market in the morning and

spend the afternoon at Club Los Meganos,” said O’Brien.

“So what does grandpa do at Trilogy during the week?” Aspen asked.

“Nothing silly,” answered her sister. “He’s the boss.”

“You can’t make this stuff up,” said a smiling O’Brien.

Find out why Shea Home Active Lifestyle communities have been ranked No. 1 in cus-tomer service three years in a row. For more information on Trilogy at The Vineyards or to schedule a tour of new homes ranging from 1,465 to 2,853 square feet and starting from the $390s, visit www.trilogylife.com/vineyards or call 800-685-6494.

Every day

feels like

vacation

at Trilogy’s

resort pool

at Club Los

Meganos.