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L VING an exclusive newsletter for the residents of north ranch . January 2011 north ranch 2010 Year In Review

North Ranch Jan11

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North Ranch Living January 2011

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Page 1: North Ranch Jan11

L VINGa n e x c l u s i v e n e w s l e t t e r f o r t h e r e s i d e n t s o f n o r t h r a n c h . J a n u a r y 2 0 1 1

north ranch

2010 Year In Review

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2 North Ranch Living January

www.meadowgardensinc.com818-879-9555

Meadow Gardens • Fountains

• Pottery• Gists

• Garden Accessories • European Non Breakable

Dinnerware for Outdoor Living• Angel in our

Mist Statue Art

Meadow Gardens

Summer Hours: Open Mon-Sat 10-5 • Sun 11-4 31149 Via Colinas Ste. 604 • Westlake Village

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3January North Ranch Living

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4 North Ranch Living January

Gayle [email protected]

Jodai Saremi DPM

Marvin Steindler

Gary Coon

Walter Tramontana

Christie Joyce Robb HotchkissErich Nickens Alex Chioini Katie Sneed

AREA DIRECTOR

CONTRIBUTING WRITER

STAFF PHOTOGRAPHER

RESIDENT PHOTOGRAPHER

COmPUTER SUPPORT

CREATIVE TEAm

™ © 2010 Neighborhood Networks Publishing, Inc.

www.n2pub.comIMPORTANT PHONE NUMBERS

Urgent:EmergencyFire Department Non EmergencyPolice Department non emergencyWestlake Urgent CarePoison ControlWestlake Village Animal HospitalAnimal Care and Control

Information:North Ranch Country Club Estates P.O.A. North Ranch P.O.A. North Ranch Country ClubNorth Ranch Community CenterWestlake Village City Hall Thousand Oaks City Hall24 hour Emergency Tree Service

Utilities:EdisonThe Gas Company Verizon CableTime Warner CableCity of Thousand Oaks Waste Water California Water ServiceWaste ManagementEnvironmental HotlineStreet Light RepairTransit ServicesTriunfo Sanitation

Schools:Westlake High SchoolColina Middle SchoolWestlake Hills ElementaryOaks Christian SchoolConejo Valley Unified School District

Clubs and Activities:Boys and Girls Clubs at ColinaTriunfo YMCATeen CenterSenior Adult CenterCivic Theatre Box OfficeWestlake Village LibraryThousand Oaks LibraryWestlake Thousand Oaks Chamber of CommerceAssistance League of Conejo ValleyWestlake Women's ClubWestlake Village Juniors

911805-389-9710805-494-8200805-373-1785 800-876-4766 805-497-4900818 991-0071

805-413-1170805-373-3725805-496-1995805-373-3725818-706-1613805-449-2100818-414-1980

800-655-4555800-427-2200800-837-4966888-892-2253805-449-2201 805-497-2757805-522-9400805-449-SAVE800-611-1911805-375-5473805-658-4619

805-497-6711805-495-7429805-497-9339818-575-9250805-497-9511

805-449-1309818-707-9622805-494-5156805-381-2744805-449-2787818 865-9230805-449-2660805-370-0035805-379-5658805-373-9332

westlakejuniors.org

DISCLAImER: The paid advertisements contained within this magazine are not endorsed or recommended by N2 Publish-

ing. Therefore, this group may not be held liable or responsible for business practices of these companies. NOTE: When

community events take place, photographers may be present to take photos for that may be used in this publication.

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5January North Ranch Living

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6 North Ranch Living January

Please Call Us To Schedule A Consultation2801 Townsgate Road, Suite 112 Westlake Village

805-230-8282 • www.westoakcap.com

Personalized Investment Services For Affluent Families And Foundations.

We make house calls We understand your time is valuable, so we would be pleased to meet with you at your home or office.

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7January North Ranch Living NeighborhoodNews

Publisher's Note™

Neighborhood NewsFind North Ranch Living on facebook

Photographed by Marvin Steindler

Dear Friends and Neighbors,

Happy New Year! My best to you and your families in the year to come. It's always exciting at the beginning of the year with all the possibilities ahead of us. However, it is also fun to look back and we hope you enjoy this issue and take a trip down memory lane as we review some highlights of the year 2010.

If you missed an opportunity to share something with us in 2010, think about participating in 2011. We love your photos, stories and thoughts. Please remember to support the busi-nesses that support your publication throughout the year!

I also want to thank all the people who have made this year a success such as photographer Marvin Steinder, writer Jodai Saremi and resident Photographer Gary Coon. Also not to for-

get the great articles and information we get monthly from Tim Ready, Marsha Webster, Mark Wendell, Scott Nelson, and Tim Freund. Thank you also to all of you who sent in photos, news, updates and information, we appreciate it!

See you next month,Gayle Barnes

N2 [email protected]

Many of you have contacted us wanting additional copies of the publication or past issues to show family, friends or colleagues etc. Now they can visit our North Ranch Living page to view the past publications and albums. Please look us up North Ranch Living and say you "Like" it and become part of the page.

Look us up at: http://www.facebook.com/NorthRanchLiving

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8 North Ranch Living JanuaryNeighborhoodSponsors

This section has been created to give you easier access when searching for atrusted neighborhood vendor to use. Take a minute to familiarize yourselfwith the businesses sponsoring North Ranch Living.

These local businesses are proud to partner with your neighborhood andmake this newsletter possible. Please support these businesses and thankthem for supporting North Ranch!

AUTO BODY, PAINT &COLLISIONWestlake Auto Collision(805) 300-3104westlakeautocollision.com

CATERING ANDTAKEOUTMerlin's Kitchen(818) 597-0016merlins-kitchen.com

ENTERTAINMENTCabrillo Music Theatre(805) 497-8613cabrillomusictheatre.com

Muvico Theatre(805) 494-4702www.muvico.com

FINANCIAL SERVICESMD Wendell Wealth Partners(805) 230-1908mdwendell.com

New York Life(818) [email protected]

West Oak Capital(805) 230-8282WESTOAKCAP.COM

FITNESSStevenson Fitness(818) 707-0123stevensonfitness.com

Total Body Fitness(818) 991-5410totalbodyfitnessgym.com

Yogaworks(805) 371-3030yogaworks.com

FLORISTOaks Florist(818) 991-5444oaksflorist.net

FOUNTAINSMeadow Gardens(818) 879-9555meadowgardensinc.com

FURNITUREAgoura Antique Mart(818) 706-8366agouraantiquemart.com

Asian Furnishings(818) 865-8257myasianfurnishings.com

Pacific Rim Home(818) 338-3386pacificrimhome.com

Vintage Villa(818) 889-8647vintagevillahomecollection.com

GARAGE DOORSAmerican Vision Garages(805) 915-1324avgarages.com

GENERALCONTRACTORSmith Bros., Inc(805) 449-2840SMITH-BROS.NET

HEALTH &WELLNESSAviante(818) 661-8732aviantehwc.com

HOMEIMPROVEMENTAgoura Sash & Door(805) 449-2840agourasashanddoor.com

HOME MOVIETRANSFER & ARCHIVEPlessner Digital & Archive(818) 601-9974plessnerdigital.com

HOME THEATERSYSTEMSWilshire Home Entertainment(805) 497-7536wilshirehe.com

INSURANCE SERVICESFarmers Insurance(805) 444-7119farmeragent.com/bkoors

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9January North Ranch Living NeighborhoodSponsors

Steve Smith Insurance(805) 496-3340stevesmithinsurance.com

INTERIOR DESIGN &CONSTRUCTIONLifestyles Interior Design &Construction(818) 706-8825lifestylesdesign.com

JEWELRYMcClave Jewelers(818) 370-6629heartsonfire.com

LANDSCAPINGGold Coast Tree Service Inc.(818) 597-0449goldcoasttreeservice.com

MUSICFun-do-mental Music(805) 778-1000Fun-do-mentalMusic.com

PET CARE / GROOMINGShaggy Chic(818) 879-9663shaggy-chic.com

PET HOTEL & DAYSPAThe Barkley Pet Hotel & Day Spa(818) 889-2275thebarkleypethotel.com

PHOTOGRAPHERMarvin Steindler Photography(805) 375-4653marvinsteindler.com

REAL ESTATEDilbeck Estates(805) 367-91891000OaksRealEstate.com

Integrity Realty(805) 557-0706integrityrealty.org

RESTAURANTBellini Osteria Restaurant & Lounge(805) 497-8482belliniosteria.com

Bogart's Bar & Grill(805) 494-4702www.muvico.com

Rustico(818) 889-0191Tuscany-Restaurant.com

Tuscany(805) 495-2768Tuscany-Restaurant.com

SALON/SPAThe Canyon Salon(805) 777-1144thecanyonsalon.com

SPARemedy Skin + Body(805) 244-0244remedyskinandbody.com

STAINED GLASSOVERLAYBillie's Window Fashions and StainedGlass Overlay(818) 707-8500billies.sgodesignerglass.com

TUTORINGKnowledge Points(818) 292-8627knowledgepoints.com/oakpark

Mathnasium(805) 777-8403mathnasium.com/thousandoaks

VETERINARIANWestlake Village Animal Hospital(805) 497-4900westlakevet.com

WINDOWTREATMENTSBillie's Window Fashions(818) 707-8500www.billieswindowfashions.com

C05AT10I

(805) 777-84031321 E Thousand Oaks Blvd (Behind Roxy’s Deli)www.mathnasium.com/thousandoaks

Try one week free!

(two sessions) Expires 1-31-11

Why settle for anything else?

• We specialize in, and teach only math• Trained Instructors• Comprehensive Assessment• Customized Learning Plan• ISEE, ACT, SAT preparation• First Steps for pre-K, K and Grade 1• High School Homework Help Hour

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10 North Ranch Living JanuaryNeighborhoodNews

Looking Back at 2010...North Ranch Families, Friends and ResidentsWe have had the opportunity to meet some great families, residents and friends this past year! Here are some of them featured in 2010.

Ann and Bryant Burns with their girls Dani, Nicole, Brianna, and Jenna Mark Wendell

Kathy and Art Jarvis The Webster Family (Thomas, Deja, Marsha, and Jada)

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11January North Ranch Living NeighborhoodNews

Luke and Dave Brolin Adam, Mark and Jacob Klein Mitch and Gayle Plessner

Back row: Leslie Biekkola, Gary and Devon Coon, Jim Biekkola, Jackie and Steve Smith Front row: Karen Decsy and Linda Somdall

Back row: Bruce and Elyssa Parton, with Jim KottraFront row: Dar Miller, Gari Miller and Majorie White

David Goldberg, Eileen Gould, Carmen Ippolito, Pastry Chef David Laufer, Jeanne Reynolds, Jodai and Garo Saremi

Karen and Brad Kraines, Kristin Feinfield, with Thomas and Marsha Webster

Beverly Adkins Eugene and Joyce Jones with 16 family members continued...

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12 North Ranch Living JanuaryNeighborhoodNews

Linda and Steve Arteaga, Tim and Sheri Ready, John and Luz O'Connor Sharon and Ronald Perry with their grandchildren

Mayor Dennis C. Gillette and his wife Terry at a Boys and Girls Club fundraiser Ken Koors and Michael Reider

Dana Kendrick and Regina Risolio David Goldberg and Carmen Ippolito

Fran Harrison, Judy Convery, Patty Hall and Melissa Silver

The Feinfield boys

...continued

Eileen and Russ John with Alicia and Bob Altemus

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13January North Ranch Living NeighborhoodNews

Cal and Marjel Johnston

Joel Isaacson, Jodai Saremi, Terre Fox, Gigi Lyons-Sims, Randy and Gayle Barnes, Cynthia and Lyn Perry, Shirley Isaacson

Tim Freund, Kathy and Art Jarvis, Ed Ellensohn (Back row) Kaye Ellensohn, Karen and Kelly Decsy (Front row)

Nela Malenkovic, Gigi Lyons-Sims, Dana Kendrick, Gayle Barnes, Talia and Ryan Beal

Megan Eichhorn

Scott Nelson Photographed by Marvin Steindler

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14 North Ranch Living January

Discarded Christmas trees wait to be picked up. Torn wrapping paper and now empty gift boxes fill the trash cans. The fall and winter holidays are over. We feel it and so do our kids.

January represents the beginning of the homestretch of the school year. Apart from spring break, many students are fac-ing six months of school before the next significant holiday. Some children can be a bit depressed by the prospect, making them reluctant to get back into gear.

As parents, we want to help make the transition back into school a smooth one. Here are some commonly asked ques-tions and how we, at KnowledgePoints, have responded to them.

Q. What is the most effective way to get back into the school routine?A. Immediately reinstitute the sleep and

Getting back into the academic swing of things….

KidsCORNER

homework patterns you had established before the holidays.

Q. How can we help reduce the stress of homework?A. Having a regular time set aside for homework and breaking the work down into ‘bite-sized’ pieces can lessen the feel-ing of being overwhelmed.

Q. My child is very smart but gets poor grades due to a lack of organization. How can I help?A. Effective organization systems and homework handling oversight can reduce the number of missing assignments. However, there is no “one size fits all” organization system. Students need to create systems that address the issues (“Where should I put this completed assignment so I remember to hand it in?”) and fit the student’s style of think-ing. The best system in the world doesn’t work if the student doesn’t use it.

Q. What do I do about my son (or daughter) who has pretty much ‘given up’ on school?A. A lack of motivation in school can be a symptom of skill deficits in math and reading. A child can feel ‘hopeless’ or ‘dumb’ when he or she suffers repeated failures, especially after making a real effort. We have frequently witnessed increased motivation paralleling skills improvements. As students experience small successes with the latter, they feel more positive and hopeful about the pos-sibility of success in other areas too.

Q. How can I make learning more fun?A. Learning need not be confined to the four walls of a classroom. A trip to the local Farmers’ Market (where they can practice math or science skills), an hour or two at the beach (lots of sci-ence opportunities there) or a visit to a children’s theatre (English and literature galore) can all be meaningful and fun learning experiences.

KnowledgePoints Learning Center identifies the difficulty your child is having, whether it is in basic skills, study skills, or homework, and constructs an individualized program specifically designed to address those dif-ficulties. This diagnostic and prescriptive approach, together with a motivational system, has proven to be extremely successful in helping students reach their full poten-tial. KnowledgePoints of Oak Park can be reached at 818-292-8627 or [email protected]. Visit www.knowl-edgepoints.com/oakpark or search Facebook for KnowledgePoints, Oak Park.

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17January North Ranch Living

Wine BarBy Tim Ready

the

2010 wine suggestions ranging from $8.99 to $64.99

Always know that I have personally tasted these wines and I make sure my local wine supplier has them in stock. Email me at [email protected] if you need help finding it.

Montebuena Rioja 2009, Spain, $8.99

Anderson's Conn Val-ley, Cabernet Sauvignon, Estate Reserve 2007, $64.99

Robert Craig, Cabernet Sauvignon, Napa Valley, Affinity 2007, $44.99

Orin Swift "Abstract" Red California 2009, $24.99

Tablas Creek, Esprit de Beaucastel Blanc, Paso Robles 2008, $36.99

Orrin Swift, The Prisoner, Napa Valley 2008, $ 34.99

Château du Rouët Cuvée Reservée Rosé Tradition Côtes de Provence 2009, $13.99

Cote De Rhone, Aphillanthes (Boulle) Côtes-du-Rhone 2007, $12.99

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18 North Ranch Living January

A North Ranch Living PartyNeighborhoodNews

Eileen Gould and Sharon Perry

Larry Greene, Mitch Plessner and Marvin Steindler Bryant & Ann Burns with Gayle & Randy Barnes

Linda Somdall with Gary & Devon Coon Tim Ready with Sharon & Ronald Perry

Devon & Gary Coon, Mark Wendell, with Beverly and Harold Adkins

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19January North Ranch Living

neighborhoodReferral

Seasons is located at 620 Lindero Canyon, Oak Park 818-879-1190.

I know that you’re always looking for local businesses to feature in NRL, and my favorite “new” shop is Seasons (formerly The French Marketplace). They just moved across the street, to 620 Lindero Canyon Road in Oak Park (a few doors down from Fresh and Easy), and it’s better than ever!

Linda, the owner, has exquisite taste and she sells a variety of high-quality items like scrumptious confections, entertainment, home decor items and antique furniture (wait until you see the gorgeous antique French etched glass doors!).

When you walk into the “candy shop” room in the rear of the store, it just makes you happy to see all the beautiful things for sale. We're so lucky to have such a lovely shop in our own back yard! I hope you share my enthusiasm.

Bev Adkins

NeighborhoodNews

Gayle Barnes with Tim Ready Ann & Scott Nelson with Kathy Jarvis Gigi-Lyons Sims, Gayle Barnes and Eileen Gould

Gary & Devon Coon with Gigi Lyons-Sims and a friend Jodai Saremi, Bruant & Ann Burns with Marissa Hoff

Photographed by Marvin Steindler

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20 North Ranch Living JanuaryNeighborhoodNews

Gari, Dar and Paige Miller Gari, Dar and Paige Miller

RecipesNorth Ranch From the kitchen of Dar Miller

Nanimo Bars (3 layers)

Layer 1:1/2 cup melted butter1/4 cup sugar5 TBSP coco1 tsp vanillaLet cool-then add:1 egg2 cups graham cracker crumbs1/2 cup chopped pecans1 cup coconut

Layer 2: 1/4 cup butter3 TBSP milk1 tsp vanilla1 box powdered sugar

Layer 3: 8 TBSP butter5 TBSP coco

Let cool in freezer while preparing the next layer. Keep in the refrigerator and cut into small squares.

(9x13 pan)

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22 North Ranch Living January

Volunteer SpotlightWestlake Village Junior Women’s Club’s 29th Annual Gingerbread Boutique

If you do volunteer work or are involved with a charity please let us know at [email protected].

NeighborhoodNews

The non-profit Club supports many charities in the Conejo Valley, such as The Wellness Community, Many Mansions and Senior Concerns. For further information, visit www.westlakejuniors.org.

Photographed by Marvin Steindler

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23January North Ranch Living Lawn&Garden

It may be a dark and chilly in winter in most parts of the country, but a true gardener will always find a way to keep growing plants, even under adverse con-ditions. Gardeners in warm climates are enjoying the fall planting and harvest season, while gardeners in cold climates still continue to harvest winter hardy vegetables such as kale, carrots, leeks and Brussels sprouts. These will survive tem-peratures in the 20 degree F range with some winter protection.

But if you crave delicate salad greens and don't live where you can grow them out-doors in winter, or you live in an apart-ment with little room to garden outdoors, there's another option. All it takes is a little preparation to grow your own salad garden this winter. Here's how:

1. Purchase a lighting system for growing greens indoors. It's best to have a 2 or 4 fluorescent bulb fixture with a mix of cool white and warm white bulbs.

2. Choose greens that are adapted to indoor growing. Loose leaf lettuce variet-ies, such as 'Black Seeded Simpson' and 'Tom Thumb,' baby spinach varieties,

such as 'Catalina,' arugula and mesclun mix are some good choices. You can even experiment with growing radishes, Asian greens and broccoli as micro-greens, or grow herbs indoors.

3. For containers, use plastic pots, seed trays or even the clear plastic containers in which lettuce is sold at grocery stores.

4. Add moistened soilless potting soil or seed starting mix to the pots and trays so it's about 3 to 4-inches deep.

5. Sow seeds 1/2 to 1inch apart in rows in the trays, or sow a few seeds per small pot. Some lettuce varieties need light to germinate, so barely cover the seeds with potting soil and mist with water.

6. Cover the trays and pots with a black plastic bag and place them in a warm (70F) spot. Often the top of the refriger-ator is a good place to hasten germination since it stays consistently warm.

7. Check the pots and trays daily. Once the seeds begin to germinate, remove the plastic bag and place the seedlings under lights.

8. Position the lights just above the grow-ing seedlings. Using a timer, keep the lights on during the day for 14 hours/day.

9. Move the lights up as the seedlings grow, keeping them about 6-inches from the top of the plants. If you place your hand on top of the greens and it's warm, then the bulb is too close and may burn the tender foliage.

10. If you're growing lettuce, spinach and mesclun mix for baby greens, begin to harvest when they are 4-inches tall (20-30 days after seeding), cutting them with scissors one inch above the soil. Allow the greens to grow back again for a second and even third harvest.

11. If you're growing lettuce and spinach into larger heads, transplant individual seedlings into 4 to 6-inch diameter pots. Let them grow to full size (45-60 days), then remove the entire plant when har-vesting.

12. Keep the pots watered and fertilize weekly with a dilute organic fertilizer. While fish emulsion is a great organic fertilizer for greens, be aware if you use fish emulsion indoors, the smell will per-meate the house. Consider other organic fertilizer options if that's a concern.

13. Once you harvest the large heads of lettuce and spinach, or the baby greens begin to get tough and woody, compost the plants and potting soil and start over again. You can repeat sowing a greens garden 2 to 3 times in winter to have a continual salad crop. You can even time your greens garden to be in full harvest for the holidays or a special birthday. Imagine a celebration featuring greens grown indoors in your house.

Article provided by National Gardening Association

Edible Landscaping: How to Grow Greens Indoors

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24 North Ranch Living January

AUTO BODY COLLISION ANDPAINTNorth Ranch BodycraftAlex Sarac(805) 379-3411

FASHIONBring It Up, IncAndrea Niemiec Perrigo(800) 670-6201

The WORTH collectionDana Kendrick(818) 929-6455

HOME MOVIE TRANSFER &ARCHIVEPlessner Digital & ArchiveMitch Plessner(818) 601-9974

INSURANCEFarmers InsuranceBirte & Ken Koors(805) 494-4174

State Farm InsuranceSteve Smith(805) 496-3340

INTERIOR DESIGN ANDCONSULTATIONKathy Love Jarvis InteriorDesignKathy Love Jarvis, CID(805) 405-6360

LICENSED ENGINEERWood Framing DesignEric Chou, PE(805) 813-0350

MANUFACTURING/ENGINEERINGAfras Industries, Inc.Maryam Rassouli(805) 230-0011

REAL ESTATEKeller Williams RealtyCarmen Ippolito(805) 231-9947

Re/Max EstatesTim Ready(818) 613-0770

SECURITYSecurity & Risk ManagementGroupScott Nelson(818) 482-0540

WEALTH MANAGEMENTMD Wendell Wealth PartnersMark Wendell(805) 402-8642

Resident BusinessGuide

Attention Residents of North Ranch Are you a Business Owner?

To find out how to list your business for free, email Gayle at [email protected]

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25January North Ranch Living

VINTAGE VILLA 818-889-8647OAKS FLORIST 818-991-5444

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26 North Ranch Living January

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27January North Ranch Living

Address Neighborhood List Price Sale Price Sold Date DOM Beds Baths Sqaure Feet4575 Club View Dr. Clubview $699,000 $655,000 07/08/10 77 3 3 19421798 Blue Hill Ct. Master Series $699,900 $675,000 10/06/10 214 3 3 2,1171791 Shawness Ct. Master Series $899,000 $845,000 09/22/10 196 4 3 3,3464493 Rayburn St. Fair Oaks $969,000 $915,000 05/18/10 56 3 2.5 2,5774203 Valley Spring Dr. Custom $999,000 $987,000 06/10/10 17 4 3 2,7304067 Skelton Canyon** Custom $1,099,000 $1,000,000 05/27/10 3 4 3 2,5425555 Grey Feather Ct.** Crescent Oaks $1,025,000 $1,025,000 08/30/10 175 4 3 2,7001630 Windy Mountain Ave. Custom $1,050,000 $1,050,000 09/28/10 1 5 6 4,405707 Cedar Point Pl. Braemar $1,149,000 $1,070,000 09/01/10 50 5 4 3,3174525 Rayburn Custom $1,150,000 $1,090,000 10/05/10 205 4 4 4,4581630 Windy Mountain Ave.** Custom $1,200,000 $1,200,000 11/22/10 49 5 6 4,4051225 Canyon Rim Cir Custom $1,339,900 $1,300,000 11/19/10 126 4 5 4,0783917 Cresthaven Dr.** Custom $1,480,000 $1,350,000 10/13/10 157 5 5 4,8685374 Lakeview Cyn. Rd.* Custom $1,490,000 $1,460,000 07/23/10 78 6 6 5,0374199 Arrowhead Cir. Custom $1,594,000 $1,470,000 11/05/10 78 4 5 4,0005566 Little Fawn Ct. Custom $1,599,000 $1,475,000 10/25/10 455 5 5 4,8981736 Upper Ranch Rd. Custom $1,495,000 $1,495,000 08/25/10 58 4 5 3,8715184 Oxley Pl. Custom $2,300,000 $1,860,000 10/14/10 106 6 8 8,0004915 Summit View Dr. Country Club Estates $3,500,000 $2,900,000 07/02/10 658 5 6 6,137

Featured properties may not be listed by the office/agent presenting this brochure.Source Multiple Listing Service. All information herein has not been verified and is not guaranteed.

Supplied by Tim Freund *REO **Short Sale

RealEstateResource

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28 North Ranch Living JanuaryFinancialFitness

The Art of Behavioral Finance By Mark Wendell

It is said that the X factor in economics is human behavior. The field of study devoted specifically to investor behavior, referred to as Behavioral Finance, proposes psychology-based theories to explain stock market anomalies.

The securities market is full of complexities and is exceedingly difficult to predict. According to Mr. Philip Tetlock, a psycholo-gist at UC Berkeley, “the vast majority of predicting experts performed worse than random chance, that fancy degrees were mostly useless when it came to forecasting.” The main rea-son is overconfidence, relating to the state of denial in being wrong, especially with well-known experts. He refers to this as "confirmation bias", and leads people to hold many erroneous opinions. Famous experts were "dispassionately analyzing the evidence when they were really indulging in selective ignorance as they explained away dissonant facts and contradictory data, and therefore, became prisoners of their preconceptions." But alas, the mirror on the wall says we are bigger, better, faster and smarter than the reality.

Most people tend to be overconfident in the accuracy and scope of their own knowledge and ability to perceive the best possible

action, to achieve the best possible outcome. Also, people have an over-inflated pride of ownership, with a heightened sense of self value, placing a substantially higher value on investments owned, usually from an over-inflated sense of knowledge, to discern reality.

Behavioral finance researchers have concluded that most people tend to be instinctively risk averse. An example is in their desire to diversify their portfolios vs. possibly obtaining a much higher return on a narrow investment. The reason is that most people weigh the prospect of losing more than they weigh the prospect of gaining, because people feel the intensity of the pain of loss, such as remorse, more than they do the intensity of the exhilara-tion of pleasure, such as pride, of an equivalent gain. Also, peo-ple tend to overweight low probabilities that offer high returns, such as lottery tickets and penny stocks.

People have a strong aversion to regret, and they regret action more than inaction; i.e., the preference of investors to hold their losing investments, on the hope of a turnaround, when an action would often be in their best interest. An example is the regret for taking the corrective positive action of selling a losing posi-tion or reallocating a portfolio. Whereas allowing a status quo to continue provides soothing "paper losses", and is equivalent to ignoring the reality and avoiding the facts, which is inaction, which has nothing to regret.

Investors want to make the right decisions regarding their investments. Yet research shows that people act out behav-iors which may be contrary to their best interests. Adopting a professionally designed, disciplined, and honest long-term investment game plan is the best defense against self defeating behaviors. Not only should it contain goal driven, diversifi-cation-risk-reducing strategies, but it should be constructed to minimize emotional behavioral influences to avoid serious financial mistakes.

MD Wendell Wealth Partners, Mark Wendell, Principal, pro-vides services in a family office personal wealth boutique for select [email protected] to access a long version of this article: www.mdwendell.com 805-230-1908

It is suggested that you consult with your tax, legal and/or financial services professional regarding your individual situation. Material presented is believed to be from reliable sources. Representative is registered with and offers only securities and advisory services through PlanMember Securities Corporation, (PSEC), a registered broker/dealer, investment advisor and member FINRA/SIPC (800)874-6910. MD Wendell Wealth Partners and PSEC are independently owned and operated. PSEC is not responsible or liable for ancillary products or services offered by MD Wendell Wealth Partners.

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29January North Ranch Living

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30 North Ranch Living JanuaryYoungLife

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31January North Ranch Living

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32 North Ranch Living January

JanuaryLOCAL EVENTS

Tuesday, Jan. 11 Westlake Women's Club's Business Meet-ing and LuncheonWhere: WestlakeVillage Inn, 31943 Agoura Road, Westlake VillageFeatured Speaker: Carol Freeman, Presi-dent, Conejo Valley Senior Concerns. The Westlake Women’s Club is a philanthropic, volunteer organization and a member of the California and General Federation of Women’s Clubs, one of the oldest and larg-est volunteer organizations in the world. Ticket cost for the luncheon and meeting is $28.00. Contact Ann Miller, 818-991-2663 or Beverly Van Nest, 805-241-3640 for res-ervations.

Thursday, Jan. 13 Oaks Christian School Admissions Infor-mation NightWhere: Oaks Christian School, 31749 La Tienda Rd, Westlake Village, CA 91362When: 7pm – 9pmThe whole family is invited to join us for an evening of refreshment and information. Admission Information Nights are a great way to become familiar with Oaks Christian School in a short amount of time. Hear pre-sentations from our students, headmaster, principals, and director of admissions. At the conclusion of the evening, take a cam-pus tour conducted by our parents and stu-dents. R.S.V.P. preferred but not required.For more information: www.oakschristian.org

Tuesday, Jan. 18-23 A Chorus LineWhere: Fred Kavli Theatre, Thousand Oaks, CA

When: 8pmA Chorus Line is a musical about Broadway dancers auditioning for spots on a chorus line. With nineteen main characters, it is set on the bare stage of a Broadway theatre during an audition for a musical. The show provides a glimpse into the personalities of the performers and the choreographer as they describe the events that have shaped their lives and their decisions to become dancers.For more information: www.zvents.com

Thursday, Jan. 20 Chad and JeremyWhere: The Canyon Club, 28912 Roadside Dr., Agoura Hills, CA 91301When: 8pmEnglish folk rock duo Chad & Jeremy are celebrating 50 years of performing togeth-er. Hits include "A Summer Song," "Willow Weep for Me," "The Truth Often Hurts The Heart," "Yesterday's Gone," and more.For more information: (818) 879 - 5016

Saturday, Jan. 22 Madame ButterflyWhere: Armstrong Theatre, Torrance, CA When: 2pmOne of the most beloved and dramatic operas, this is a classic tale of colliding hearts and cultures set in 19th Century Japan. Internationally acclaimed soprano Patricia Racette is a geisha tragically torn between two worlds and forced to make the ultimate sacrifice. Company Music Director Donald Runnicles conducts the S.F. Opera Orchestra and Chorus in this stir-ring production featuring some of Puccini's most popular music.For more information: http://sfopera.com

Thursday, Jan. 27 Weekly Farmer’s MarketWhere: The Oaks, CA 101 Freeway & Lynn RdWhen: 1:30-6:30pmThe Thousand Oaks Farmers’ Market has been in existence since 1991 and functions as a not-for-profit farmers’ cooperative with over 60 farming families participating throughout the year. The Farmers’ Market offers an array of freshly grown produce including an ample supply of organic vari-eties, fresh cut flowers, bedding plants and more. For more information: www.vccfarmers-markets.com

Saturday, Jan. 29 It’s Love, ActuallyWhere: Thousand Oaks Civic Arts Plaza, 2100 E. Thousand Oaks Blvd.Thousand Oaks, CA 91362When: 8pmCome enjoy a night of romance with Shi-Yeon Sung, conductingWagner, Prokofiev, Tchaikovsky, Bernstein, Prelude and "Liebestod" from Tristan und Isolde; suite from Romeo and Juliet; Romeo and Juliet - overture fantasy and symphonic dances from West Side Story!For more information: www.zvents.com

Send any calendar submissions 2 months in advance to [email protected]

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HomeMatters

Tonia Tomlin is the Founder and President of Sorted Out™ and Sorted Out Publishing. Tonia is an author, publisher, speaker and mother of twin girls. She has been featured on HGTV’s, Mission: Organization, and is the author of the book Chaos 2 Calm: The Moms-of-Multiples’ Guide to an Organized Family. [email protected]. www.SortedOut.biz

Organizing Your Home Office

Minimize visual clutter on your desk; reducing the knick knacks will help you focus and therefore be more productive, saving time.

Spend a half an hour each day sorting and throwing out papers in your “to do” box. It saves you from becoming overwhelmed by having so much “stuff ” to do. You will save yourself a lot of stress and also be able to delegate things you didn’t even know you had to do.

Set guidelines for the paperwork you keep in your filing system. For example, how long do you really need to keep your utility bills? Six months is a good rule of thumb.

Organizing Your Closets

Make a point to change out hangers in your closet at least every 3 years. Wooden hangers get splinters and plastic hangers get bent. Also, plastic hangers have wear and tear just like tires. I promise you will look at your closet in a different way, and you won’t spend a dime on any new clothes. You will find things you didn’t know you had.

Save time getting ready in the morning by organizing your out-fits the night before. It also reduces the stress of deciding what to wear when you're on a deadline to get out the door.

Put a shopping bag in your closet for items you don’t like any-more, can't wear anymore because of size changes, or items you just want to purge. It’s also a good way to train others you share your closet with to purge their items as well. At the end of every month take the clothing and other items you purged to your local church, Goodwill or Salvation Army and get a receipt for a tax deduction.

Creating a Home Communications/Command Center

If your family’s life is chaotic due to everyone having a different schedule, set up a communications center in the most com-monly used area of your home, usually in the kitchen, which is the heart of the home. But not on the outside of your fridge, because there’s really not enough space there for a family cal-endar, mail bin, and bulletin board… not to mention it looks cluttered. A separate communications center in your kitchen will help keep clutter from building up. It will also cut down on being late or forgetting important events.

Let your children take ownership of the fun activities they enjoy and let them help you put those on the calendar. This will help teach them organization and hold them accountable for their schedules too!

Post the meal planning guide to your communication center so everyone knows what to expect for dinner. This will alleviate uncertainly, minimize complaints and help with time manage-ment in regard to preparation.

Get Organized Once and For All

New YearNew YOU!

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