Roseville Granite Bay Living - 2011

8/3/2019 Roseville Granite Bay Living - 2011

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A Gold CountryA Gold Country

Media PublicationMedia Publication

Inside...Inside...Premier ConcretePremier Concrete

puts a stamp onputs a stamp onoutdoor livingoutdoor living

See pg. 4See pg. 4Keeping your home safeKeeping your home safe

What dog is right for you?What dog is right for you?

5 home-buying mistakes5 home-buying mistakes

Also...Also...

1130PTL001 11/21/2011 1:15 PM Page 1


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Todays Home Living 2011 3

Todays Home Living is owned and published by theRoseville Press Tribune and Gold Country Media.

Copyright 2011. All rights reserved. No part of thispublication may be reproduced without written per-

mission of the publisher.

188 Cirby Way, Roseville,California 95678www.rosevillept.com

Editor

Michelle Carl

916-774-7955

[email protected]

Advertising director

Suzanne Stevenson

916-774-7921

[email protected]

Design

Paul Cambra

[email protected]

Creative services manager

Sue Morin

[email protected]

Contributors

Tinka Davi, Margaret Snider, Toby Lewis,

Eileen Wilson, Laura OBrien

Photography

Anne Stokes, Philip Wood

FALL / WINTER 2011/2012

The RosevillePress Tribune isa Gold CountryMediapublication

ALSO IN THE ISSUE:

Homebuying tips 10

Home renovations 15

Finance 16

Winter chili recipe 20

ON THE COVER:Premier Concrete can transform your outdoor living space with decorative con-

crete work and artisan colors and stamping techniques. See page 4 for full story.

Bringing home puppy 13Tips on finding the perfect four-legged member of your family.

Head of the class 11Find out why south Placer Countyschools are tops.

10 favorite museums 21Discover local history at theseintriguing sites.

ANNE STOKES GOLD COUNTRY NEWS SERVICE

Mike Simpkins, back left, his wife Lindsay, and their two children,Luke, 8, and Taylor, 12, with Jack, their 10-month old rescue dog.

1130PTL003 11/16/2011 9:44 AM Page 3


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4 Todays Home Living 2011

BY MARGARET SNIDER

TODAYS HOME LIVING

Premier Concrete, Inc. has been ownedand run by Frank and Andrea Florezsince 2003 and based in Rocklin for

seven years. Most important to the coupleis customer service.

Frank is a hands-on owner, Andreasaid. He is on every job Hes constantlyout there making sure that everything isdone exactly the way its supposed to be.

Long-term customers Joe and KarenHerman of Fair Oaks have something tosay about that.

The thing that really sold me on usingPremier for all my needs was that they didsome cement work in the winter and

unfortunately there was an unexpectedrain that evening,Joe Herman said.There was a little bitof an imperfection inthe cement job, and I

was really pretty OK with it. It wasnt hisfault, it was nature,and it was veryminor.

NeverthelessFrank Florez was notsatisfied and cameback the next week

with jackhammers

and completely re-did the job.

Hes not satisfiedif its just a good job,

he wants an excellent job done and it reallyshows in the kind of work that he does,Joe Herman said.

Frank began acquiring his landscapingand concrete knowledge some time ago

working with a neighbor in Fair Oaks whotaught him the business. He has been acontractor since 2003.

Weve been married 13 years, Andreasaid. We started the business together; itsgrown a lot and we really enjoy it. We help

each other out on both ends.They do a lot of custom work and havebeen able to weather the current economy

with their versatility and customer service,and also by keeping up with moderntrends in concrete, which have changedsome over the years.

SEE CONCRETE PAGE 6

Walkways to rememberPremier cements reputation with customer service, decorative work


The Florez family of Premier Concrete: Isabella, 10, Vicente, 8, Lorenzo, 6, Andrea

Florez and Frank Florez.

Hes not

satisfied if its

just a good job,

he wants an

excellent job

done and it

really shows in

the kind of

work that he

does.Joe Herman, Fair Oaks

1130PTL004 11/16/2011 9:47 AM Page 4


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ANDREA FLOREZOffice: (916) 960-4577Cell: (916) 541-2295Fax: (916) 435-2732

ANDREAANDREAFLOREZFLOREZ

w w w . h o m e s b y a n d r e a f l o r e z . k w r e a l t y . c o m

As an agent whos an expert in this local area, I bring awealth of knowledge and expertise about buying and sellingreal estate here. Its not the same everywhere, so you need

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Consult on Home Selling TacticsOftentimes buyers dont visualize living in your home the way you do. I can make your homeattractive to its ideal audience - which can help you get top dollar. Things like staging the home,making repairs or minor improvements, or even simply painting the walls can be the differencebetween a home resting on the market and one thats sold fast.

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Earlier when we started out we didntdo as much decorative, Andrea said.Now almost everything is decorative.

Though the work is challenging, it is alsosatisfying. Frank doesnt have favoritetypes of jobs, he likes it all.

(I like) the finish, the satisfaction of theclient, you know, Frank said. When theycome home in the different stages of the

job, how excited they get. Thats pretty

rewarding.The company does a lot ofwork in Placer County andFrank belongs to the PlacerCounty Contractors Associ-ation. About 65 percent oftheir business, Andrea said,comes from referrals withthe rest due to advertising.

More distant jobs oftencome by word of mouth.

People come down to seetheir relatives, Andrea said.Relatives and family mem-bers will see the work, and then they wantthe same thing or something similar back

on their own property.Frank does a lot of the design himself,

looking at the yard, talking with the cus-tomers on what theyre looking for.

I just start asking questions and see what they want, Frank said. It justdepends on what they want to use it forand then I give them a design, or givethem an idea.

One of the companys current jobs is forRalph Laird in Rocklin.

Its primarily hardscape, Laird said. Alot of concrete and stamped concrete for acouple different tiers of patio space plussome bench walls and planter space andthat includes a water feature.

Laird chose Premier after some deliber-ation.

I spoke to a number of contractors and

various people that might be involved inthe project, Laird said. Iconsidered possibly doing itmyself After consideringeverything I decided on Pre-mier Concrete because I likeFrank and he had a verycompetitive bid. He had anice portfolio of workbehind him and I felt confi-dent to proceed with him.

Premier Concrete has anumber of suppliers thatthey rely on.

Our cement comes from Folsom ReadyMix, Frank said. Its one of the best

cement companies around town, the bestcement quality I dont mind paying alittle bit more if its a lot better.

They also work with A&A SteppingStone out of Newcastle, Rocklin, and Cit-rus Heights; Hasties Capitol Sand andGravel; Spec West Concrete Systems, SCP(South Central Pool), and LOJO for their

website design.

This patio at a residence in Lincoln is

made of stamped concrete with a lac-quer-based seal to give it the glossylook, which also highlights the designof the stamp well. Premier Concreteused the pattern called Roman Slatefor this stamp.

PREMIER CONCRETE,

INC.

Who: Frank and AndreaFlorezPhone: (916) 435-8298;(916) 541-2297 (mobile)E-mail: [email protected]: www.premierconcrete.org

Premier Concrete made this patio ofcolored concrete, which runs nearly thefull length of this home in WalnutCreek. The name of the stamp textureis Granite.

COURTESY PHOTOS

Premier Concrete created this expansive driveway in Roseville using a Granitepattern stamp with broom finish bands and a lacquer finish over all.

A 300-square-foot walkway meandersto the front door of a home in Rocklin.Premier Concrete used a Flora stainwith a lacquer-based gloss which sup-plies a wet look in all weather. Theyalso did a seal and stain on the existingconcrete of the driveway and entry.

continued from page 4

CONCRETE:Cement comes from Folsom

1130PTL006 11/16/2011 9:56 AM Page 6


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BY TOBY LEWIS

THE PRESS TRIBUNE

In the midst of a volatile real estate mar-ket, some new home construction proj-ects are still moving forward in Granite

Bay and Roseville.Premier Homes, who recently partnered

with Canadian firm United Communitiesto form Premier United Communities, is

working on a project for several singlefamily homes in West Colonial Estates,near South Cirby Way and Old AuburnRoad.

Most local builders just kind of died onthe line the last couple of years, said JohnStewart, president of Premier United.One of the ways that we were able tohang in there was to partner with someoutside investors.

The current project is a subdivision of17 homes that was purchased from the

city of Roseville in 2006 by another devel-oper, who was unable to finish the projectbecause of the downturn in the housingmarket, Stewart said. Premier United pur-chased the property in 2009.

Were finding that there is still a marketfor new homes in certain locations, Stew-art said. The market is still in a bad spot,but it is an incredible time to buy a house.

According to the Placer County Associ-ation of Realtors, the number of closedescrows in Placer County from Januarythrough September rose 12.5 percent overthat same period in 2010.

The dollar volume of closed escrowsthrough September of this year was $2.2

billion, a 4.9 percent increase over lastyear.

Kevin Carson, president of the NewHome Company in Roseville, said themarket for new homes in Granite Bay isstronger than in surrounding communi-ties mainly because there is not a largeinventory of new homes in that area.

The New Home Company is currentlybuilding 17 semi-custom homes onCavitt-Stallman Road near Douglas Boule-vard in Granite Bay, the first five of whichhave already sold.

It is very gratifying to see whats hap-pening there, Carson said. There is lots

of activity, lots of people interested andexcited about whats going on.Stewart admits that the state of the cur-

rent housing market still looks pretty grim,and that the market for new homes issmaller than for resale homes.

The whole market has obviously takena hit, no question about that, Stewartsaid. Its been a very difficult couple of

years for builders, and a lot of them havejust gone away and given up.

Real estate broker Debbie Davis, of

Remax Gold, said she believes the marketis much stronger for resale homes thannew homes and a good amount of herclients feel new home builders are notrealistic with pricing.

Davis, who conducts the bulk of her work in the Roseville and Granite Bayarea, believes there is a misrepresentationin the media of what is really going on in

the marketplace.I see that banks are not willing to bring

their prices down, even when doing shortsales, Davis said. Value-wise, yes, themarket is down. But Im busier this yearthan I have been in the last three years.

Still, Stewart says he expects the homesin the West Colonial Estates project to sellquickly, the first two of which will be fin-ished by the end of the year.

He said new energy efficiency require-ments mandated by the state of Californiamake the cost of owning and operating anew home much less over time, which isattractive to buyers.

What you can get for the money for ahouse right now is pretty incredible,Stewart said. If you want to live on theeast side of Interstate 80, you dont havemany options in a new home.

Toby Lewis can be reached at tobyl@goldcountry

media.com. Follow him on Twitter

@TobyLewis_RsvPT.

PHOTOS BY PHILIP WOOD GOLD COUNTRY NEWS SERVICE

This home is one of at least four under construction on West Colonial Parkway inRoseville.

New home construction continues in region

Were finding that

there is still a

market for new

homes in certain

locations. The

market is still in a

bad spot, but it is an incredible

time to buy a house.John Stewart, president of Premier United

David Shaw puts the mortar on one ofthe outer brickings of a new homebeing built on West Colonial Parkway.

1130PTL008 11/16/2011 9:55 AM Page 8


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The process of buying a home can bean emotional roller coaster ride, withfeelings of excitement mixed in with

exhaustion, fear and uncertainty.Over the last several years, the real

estate market has been turned upsidedown, and many prospective buyers havebegun to question some of the conven-tional wisdom associated with buying ahome.

While such skepticism might be ahealthy attitude in the current market,prospective buyers particularly those

who have never purchased a home before should avoid the following mistakesthat buyers make regardless of whetherthe market is up or down.

1. Failure to get qualified first.Mortgage qualification is essential when

buying a home, as it gives buyers preap-proval for a loan before they make any

offers. Making an offer on a home beforeyou know what the bank is willing to lend you is a waste of time for everyoneinvolved.

Some agents will not show a home ifyou dont have a preapproval. Once preap-

proved for a loan, dont take any steps thatmight put that approval in jeopardy, likedrastically alter your credit score.

2. Being blindsided by additional costs.First-time homebuyers often experi-

ence some sticker shock when the addi-tional expenses associated with homeownership arise.

Expenses like property tax and insur-ance costs and can be substantial. Eventhose buying a condominium or co-opshould expect monthly maintenance fees.

3. Shooting for the moon.First-time and even veteran homebuy-

ers must avoid shooting for the moon when it comes to buying a home, andinstead only buy one they know they canafford.

What the bank says you can afford isntalways the same as what you know youcan afford.

Only buy a home you know you canafford, regardless of whether the bank hasapproved you for a larger loan.

4. Pigeonholing yourself.Just like buyers shouldnt go overboard,

they also must avoid compromising on

the things that are most important tothem.

Many of todays buyers are reticent tocommit to a home, and might compro-mise with a condo or co-op.

But if a home is what you really want,and another living situation that mirrorsapartment life is going to make you miser-able, dont settle for that situation for thesake of security. Doing so could cost youfinancially, especially when you realize thesituation isnt what youd hoped for andlook to sell earlier than is ideal.

5. Skimping on the cost of an inspector.

An inspector is your last chance to findout if a home is your dream home or amoney pit. Even if a house appears to beeverything you want, dont close on thesale until the house has been thoroughlyinspected.

The old adage that advises against judg-

ing a book by its cover certainly applies tobuying a home, and prospective buyersshould enlist the services of a qualifiedinspector before closing on the sale of ahome.

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1130PTL010 11/16/2011 11:06 AM Page 10


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BY EILEEN WILSON

TODAYS HOME LIVING

While some move to South PlacerCounty for jobs, proximity to theBay Area, or myriad recreation

opportunities, many make the movespecifically for the schools.

And why shouldnt they? With some ofthe top-ranked school districts in thestate, south Placer schools satisfy bothkids and parents with high Academic Per-formance Index scores and fun andenriching curriculum.

Parents are making the decision tomove here before their kids even beginschool, said Dave Johnson, president ofPlacer County Association of Realtors.For families with kids, the schools are soimportant. The schools here are definitelya draw, and its wonderful to say that we

really dont have any school districts thatare bad.Johnson credits smaller schools (com-

pared to Bay Area and Southern Californiaschools), involved families and qualityteachers as some of the reasons theschools are superior.

I get questions about the API scores allthe time; usually its the moms who arereally familiar with the API numbers,Johnson said. And most of our schools are

well above where they need to be.Johnson advises parents to be proactive.

Go visit school campuses.Make the phone call. Make an appoint-

ment with the principal, and check it out.

Dont be afraid to audition the school, hesaid. You should never feel uncomfort-able visiting a campus. Ive never known aschool to not be welcoming.

Placer County Schools SuperintendentGayle Garbolino-Mojica agrees thatschools are an important factor in pur-chasing a home, and south Placer hassome of the best.

If the school isnt the number-one rea-son someone buys a house, its definitelythe number-two reason, she said. Whenpeople ask me which school district is thebest, I say move anywhere in South Placer all the schools are excellent.

Garbolino-Mojica states that many fac-tors make a quality school qualityteachers, high achievement and a varietyof programs and classes.

We have very high performing schools,and a very qualified, talented workforce,she said.

The API numbers prove that Rosevilleand Granite Bay have some of thestrongest schools in the region.

Eureka Union School district has thehighest API scores, on average, in theregion, a fact that Doctor Heidi Williams,assistant superintendent of curriculumand instruction, said is due, in large part,to the enrichment programs and rigorousacademic instruction that EUSD staff pro-vides.

Were probably luckier than most

because many of our enrichment pro-grams have continued due to supportfrom the Eureka Schools Foundation inthe face of budget cuts, Williams said.We still offer music in fourth throughsixth grades, and band and choir as elec-tives at the junior high schools.

In addition, the district offers Spanish


SEE STEM PAGE 12

PHOTOS BY PHILIP WOOD GOLD COUNTRY NEWS SERVICE

Cavitt Junior High forensics students Hope Halpin, left, and Drew Robles make amold from a sandal print that can later be analyzed in a lab to determine if itsevidence.

South Placer schools earn an A+

Lexi Harringtonrecords blood splatterfindings in her foren-sics class at Cavitt Jun-ior High School. Theexercise is part of theSTEM elective, whichteaches science andmath in a hands-onway. STEM is one ofthe many programsthat make south Plac-er schools attractivefor kids and parents.

1130PTL011 11/16/2011 10:00 AM Page 11


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STEM: Students learnto program robots

PHILIP WOOD GOLD COUNTRY NEWS SERVICE

Caroline Palmer examines and compares bite marks in her forensics class at CavittJunior High School. The exercise is part of the STEM elective, which teaches sci-ence and math in a hands-on way. STEM is one of the many programs that makesouth Placer schools attractive for kids and parents.

enrichment before and after school, teach-ing up to 400 children each year, and a hostof additional programs like Challenge 21,

which focuses on skills above and beyond

state standards.We want to provide students with a

variety of tools before they leave our dis-trict, and the feedback we get from thehigh school agrees with that, Williamssaid. We want to provide electives, like theSTEM Elective at Cavitt (Junior HighSchool), that is challenging and gives stu-dents the opportunity to apply the skills ina real-life setting.

The STEM Elective, short for Science,Technology, Engineering and Mathemat-ics, teaches students robotics, whichincludes programming robots to performincreasingly complex tasks, engineering,

where students create structures that willwithstand extreme force, and forensics all designed to increase math and scienceskills, in a fun, hands-on way.

The content of these electives are soengaging that they are really attractive tokids, Williams said.

Roseville has a high number of high per-forming schools, as well. The Dry CreekJoint Elementary District has an average864 API score, and Roseville City Elemen-tary District has an average of 872.

Garbolino-Mojica explained that areaschools offer quality programs that willappeal to a wide variety of students.

The schools have creative programs to

help at-risk, struggling students, and cre-ative gifted programs, as well, she said.We place a high priority on staff develop-ment, and the API scores, our stateaccountability measurement, is high. 800is the goal to reach, and 95 out of 110schools in the county are over 800.

Many area schools receive additionalrecognitions as well. Silverado MiddleSchool in the Dry Creek District hasreceived the Schools to Watch recognitionnumerous times in recent years. TheSchools to Watch program recognizes onlya handful of middle-grade schoolsthroughout the state each year for aca-demic excellence, responsiveness to the

needs and interests of young adolescents,and commitment to helping all studentsachieve at high levels.

Quail Glen Elementary in the Dry CreekDistrict, was named a California Distin-guished School, a designation for Califor-nias exemplary and inspiring publicschools, which demonstrate significantgains in narrowing the achievement gap.

1130PTL012 11/16/2011 9:59 AM Page 12


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BY LAURA OBRIENTODAYS HOME LIVING

Your kids are begging you for a dog.

You secretly want one, too. But beforefalling in love with a new canine, Plac-

er SPCA CEO Leilani Vierra suggestsresearching dog breeds to find a goodmatch for your familys lifestyle. Its alsoimportant to consider a dogs age. Fami-lies that are a poor fit for a puppy mightenjoy an older dog requiring minimaltraining.

When a family is looking for the rightpet for them, were able to help guidethem, Vierra said.

There are plenty of dogs to choose fromat the Placer SPCA, which receives 3,600 to4,000 animals per year. The Placer SPCAoperates two pet adoption centers, one inRoseville and one in Auburn.

Lindsay Simpkins said her family could-nt be happier with the puppy they adopt-ed from SPCA earlier this year.

They knew they wanted to adopt a dog

from a shelter. The family was heartbro-ken when the dog they bought from whatthey now believe was an irresponsible

breeder died at only 2 years old due toneurological problems.We vowed never to buy another dog

after the experience that we had with ourpug, Simpkins said.

Her family made several trips to theSPCA before selecting a 4-month-oldblack Lab that wasnt ready for adoption

yet.

He was really little and he was veryemaciated, Simpkins said. You could seeall the bones in his back and his ribsshowed. I believe he was a stray for a

while. SPCA picked him up, which wasgreat.

The family was attracted to the dogsgood disposition and begged staff to allowthem to adopt him. After the dog under-

went neutering surgery and none of thefamilies on the waiting list for black Labsexpressed interest in him, the Simpkinsfamily was free to bring home Jack.

Lindsay Simpkins said she believes he isa Lab and German shepherd mix.

I think his shepherd part and his Labpart contribute to how he learns, shesaid. We tell him to do his business andthen his big business and he does it rightaway.

Families often consider breed traitssuch as intelligence, size and coat length

when selecting a dog, but they also should


SEE BREED PAGE 14

Is the timing right to get a puppy?


Taylor Simpkins, left, 12, kisses Jack, the familys 10-month-old rescue dog, while her brother Luke, 8,looks on affectionately.

Families often consider breed

traits such as intelligence, size,

and coat length when selecting

a dog, but they also should

consider how a dog breeds

characteristics match their

lifestyle.

1130PTL013 11/16/2011 9:59 AM Page 13


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consider how a dog breeds characteristicsmatch their lifestyle, Vierra said.

Jack Russell terriers are popular becausethey are good companions, compact and

short-haired, but owners need to have thetime to satisfy their high-exercise needs,she said. Pugs, too, are sought-after fortheir even dispositions, but due to theirshort noses they have difficulty breathingand do not make good running partners.

Along with a dogs breed, Vierra saidadoptive families need to remember to getto know the individual personality of theirnew Fido.

A dog also needs to be looked at as anindividual, she said.

Just like a baby, each puppy is unique.Its temperament evolves as it gets older.The dog could act differently from thegenerally expected behavior for its breed.

The age of a dog is another major factorin determining if its a good fit for a family.

Younger dogs often wind up at SPCAdue to owners misjudging the amount of

work and care involved in raising them,Vierra said.

We know that (a surrendered puppy) isquite lovely otherwise, she said. All itrequires is the investment of training.

After their pug died, the Simpkins familybecame volunteer puppy raisers for GuideDogs for the Blind. The education theyreceived through the program preparedthem for training Jack.

Its like having another child, Simpkins

said. (Puppies) require 24-hour care.The family has trained Jack to stay in acrate, but when he was younger, andSimpkins needed to be away from thehome, she hired a dog-sitter.

SPCA starts a training program for alldogs that come in to the shelter.

First, staff assesses each dogs behavior,

including how they handle other dogs andcats.

We start working on the behaviorneeds and transfer that information to thepotential adopter, Vierra said.

All the information the shelter receivesabout a surrendered dog is attached to its

crate along with its behavior assessment.

Vierra said SPCA does not place overlyaggressive dogs for adoption. Dogs requir-ing more physical activity are labeled assuch.

SPCA trains dogs to walk on a leash, stayin a crate and obey simple commands.Trainers keep more-active dogs busy byengaging them in agility tricks that stimu-late both their brains and their bodies.

Simpkins said families should spendtime with their potential new best friendbefore taking him home.

The animals let you know pretty muchwhat their disposition is and what theirenergy is like, she said.

Vierra said families seeking more infor-mation about dog breeds and their train-ing needs should seek referrals from vet-erinarians and larger animal welfareorganizations, such as SPCA.

SPCA staff includes experts on animalhealth and behavior as well as educators

who can teach children and other inter-ested groups about the responsibilitiesinvolved in owning a pet.



BREED:Get to know the personality of your potential new petTHINK YOUR FAMILY IS

READY FOR A PUPPY?

Dont rush out and get apuppy just yet. A small mam-mal, adult cat or adult dog maybe a better fit if you have expe-rienced or expect to experiencemore than three of the follow-ing life events in a year. (If youcan tick off more than seven,you probably should wait awhile before getting a pet.)

Divorce or end of relation-ship, marriage, change in livingsituation, move to new resi-dence, pregnancy or new baby,increased work hours or respon-sibility, financial stress, childrenmoving into or out of thehome, caretaking for ill or eld-erly family member, change of

family routine, death of familymember, death or disappear-ance of pet, relinquishment ofpet, health problem of familymember, change in familymembers work status, frequenttravel, limited leisure time,school graduation, disagree-ment among family membersabout adopting a pet

Source: Denver Dumb Friends League

and Humane Society of the U.S.


Luke Simpkins, 8, gives Jack, his familys 10-month-old rescue dog, a kiss.

1130PTL014 11/16/2011 9:58 AM Page 14


15/24

Every home project begins with anidea and ends with the culminationof the job. In between, there are three

main components of an improvement

project that can mean the differencebetween success and frustration: Plan-ning, permits and protection.

PlanningMany people find it helpful to write out

plans and draw up the concept on paper.This doesnt require expensive architec-tural software. A simple piece of graphpaper plotted with measurements and asketch is often sufficient for small projects.If the job will be expansive and require anarchitect or engineer, he or she will oftenprovide a technical drawing.

If the project focuses more on decorat-ing some find it helpful to create a designboard, where fabric swatches, paint colorsamples, pictures of furniture and acces-sories, and any other components of theroom are put together. Having a designboard enables the homeowner to go to thestore with the board and match up items.

Another part of the planning stage isestablishing a budget and determining theprojects financing. It can be helpful tomake a list of all income and expenses andfind out how much funding is left over fora project. When getting estimates on the

work, whether it will be done by a contrac-tor or a DIY project, the homeownershould then make a list of approximate

costs (rounding up) and then compare itagainst the available funds.

PermitsMany projects, especially those involv-

ing building, demolition, electrical work,or mold remediation, require permits.

The purpose of permits and subsequentinspections is often questioned by home-owners looking to circumvent the system.However, building permits are required toensure public safety, health and welfare asthey are affected by building construction,structural strength, zoning, and coderequirements. In essence, building per-mits are how the government regulatessafety and protects both current andfuture residents of the property.

In many cases, homeowners will needto visit the municipal building in theirrespective towns and apply for a permit.Oftentimes, there is a waiting period dur-ing which the projects legality and safetyis examined. Once approved, the appli-cant will be able to file for the actual per-

mit(s). There is usually a fee or fees forpermit application.

Work should not begin until a permit isreceived, and then the permit generallyhas to be placed in plain sight, such as in a

window of the building.Depending on building codes, inspec-

tions of the work may need to take placeafter all of the project is completed or dur-ing certain phases. For example, the build-ing of a deck may require inspections afterfootings are installed and secured, andbefore the upper portions of the deckingmaterials are attached. If an inspectiontakes place afterward, the inspector will belooking for key code issues to determine

whether the work was completed success-fully. If a contractor was used, he or shemay have to be present at the time of the

inspection. If the work passes, an approvalwill be given and put on record. If the workfails, applicable repairs will have to bemade and a re-inspection will be sched-uled.

Should a home be put on the market, allpermits may need to be on file or in the

homeowners possession in order for acertificate of occupancy to be issued to thenew buyer. Failure to have permits canhold up the process or result in fines.

ProtectionThere are a number of things that can

be on hand to make a work environmentsafer. These include:

Eye protection: This is especially impor-tant when working with flying debris, cut-ting items, mixing caustic chemicals, etc.

Respirator or face mask: Cover the noseor mouth when there is dust or debris inthe air that can enter the lungs. When

working with toxic fumes, such as whenusing spray paints or chemical lubricants,a respirator can offer clean air.

Boots: Proper footwear ensures protec-tion should an item fall on the foot or

when walking where nails or other sharpitems are located.

Fire extinguisher: A fire extinguishershould be nearby in the event of a mishap.

First aid kit: An abrasion or cut mayoccur, requiring prompt care.

Gloves:When the hands need to be pro-tected or extra traction on surfaces isrequired, gloves can be a necessity.

Headphones: Safety headphones canprotect the ears against loud, consistentnoises from power equipment and tools.

Locks:A locked cabinet can store tools,paints, chemicals, and other improve-ment supplies so that young children or

pets wont have access. When homeowners take the time to

plan, obtain permits, and secure the need-ed protection for a job, they help ensure asafer job that is done correctly.



METRO EDITORIAL SERVICES

Make sure to use protection whenworking on home renovation projects.

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1130PTL015 11/16/2011 10:05 AM Page 15


16/24


Recent volatility in the global marketsmay cause even the most seasonedinvestors to feel shaken up. But,

according to Edward Jones, short-termmarket turbulence can serve as areminder that like flying, investing is notalways a smooth ride.

Its natural to feel nervous when yourinvestments look like theyre losing alti-tude, but its important to stay the course,said Adam F Chervenak, an Edward Jonesfinancial adviser in Roseville. The bestresponse to market fluctuations is to keep

your emotions and your investment strat-egy steady.

Chervenak offers some perspective on

how to keep white knuckles at bay:

Turbulence is normalStock market declines are a normal part

of investing. According to recent research,the Dow Jones Industrial Average has

dipped by 5 percent on average 3.4 timesa year. Bigger drops occur less frequently,

with corrections once a year, and bearmarkets every 3.5 years. Volatility happensregularly and is no reason to sell a qualityinvestment.

Fasten seatbelt, not parachuteBailing out at 30,000 feet isnt the best

reaction to turbulence. Similarly, someinvestors might react by jumping in andout of the market, which can significantlyimpact investment performance. Histori-cally, the best days often follow the worstdays. While no one can predict the future,getting out after the drops may meanmissing any potential recoveries.

Destination determines travelIf youre traveling from the east coast to

the west coast, turbulence shouldnt causeyou to land in the midwest and walk therest of the way. Switching to the relativestability of a short-term investment canplace your long-term goals at risk. Volatil-ity in the markets should not change your

goal of retiring at a specific age or provid-ing for your childs education.

Take the long viewSome passengers react to turbulence

better than others. Someignore it, and others sim-ply sleep through it. Suc-cessful long-terminvestors take the sameapproach to volatility,focusing on their long-term plans instead ofday-to-day fluctuations.

A solid financial strat-egy is key to riding outthese short-term ups anddowns, says Chervenak. You can makesmall adjustments along the way, butunless you experience a significant life

change, its essential not to veer offcourse.

For more information about Edward Jones, contact

Adam F Chervenak, Edward Jones in Roseville, locat-

ed at 1805 Cirby Way Ste 7, (916) 791-7865.

While investors cannot predict futuremarket instability, they can prepare, says

local Edward Jones financial adviser

Preparing for turbulence

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18/24

There are numerous, simple projects athomeowners fingertips that can con-serve energy in a home and keep

money in the bank.

Although windows, doors and siding arethe biggest opportunities to conserveenergy and reduce costs, not every projecthas to be a major one. When it comes toimproving energy efficiency, every little bithelps.

Using the right products helps to ensurethat projects are done correctly and with-stand the test of time.

Below are a few easy weekend projectsto get any house ready for the winter.

Garage doorGarage doors are usually the single

largest entry point into a home and arerarely insulated, leaving a large area where

air can seep in. Rubber thresholds, foundat any hardware store, can be easily andquickly installed underneath the garagedoor to help keep the cold at bay.

Since most garage doors are aluminum,it is best to use a two-part epoxy like Goril-la Epoxy to secure these two differentmaterials together. Epoxy fills any surfacegaps, creating a lasting, water-resistantbond. The pressure and weight of the doorthen helps seal the garage when the dooris closed.

A similar type of seal can be made witha rubber gasket on exterior doors as well.By creating a tighter seal on this entry

door, cold air is prevented from getting inand the warm air from getting out.

Frozen pipesWhen the weather dips below freezing,

there is a good chance that copper pipeswill freeze. This is a potentially messy and

costly issue that can be easily prevented.While it might be harder to get to the pipesbehind the walls, exposed pipes in thebasement can be wrapped without diffi-culty.

Flexible foam with a split-sleeve, pur-chased from any hardware store, will slipright over the pipes and can be easilysecured with Gorilla Tape. This heavy dutytape contains twice the adhesive as mostduct tapes and outperforms standard ducttape in these tough situations. Either wraptape around the insulating foam or runthe entire length to seal the seam.

Even areas where freezing does not posea threat can benefit by keeping the pipes amore consistent temperature, and pre-venting costly drywall leaks caused bypipe condensation.

Attic insulationAttics, even when insulated, are a major

source of lost heat. However, most home-owners forget to complete their insulationproject by insulating the access door to theattic. For this project, it is best to use rigid

foam insulation with a radiant barrier.Cut the insulation board to the doorsdimensions. (It is best to cut the piece atad smaller than the doors exact size toensure that it does not interfere withhinges or where the door seats into place.)

Once cut, affix the insulation boardusing polyurethane glue. Gorilla Glue isone of the only adhesives that can gluefoam to a wood or metal attic door with-out melting the foam. Also, remember to

wet one surface prior to gluing and clampthe project by weighting it down withsome heavy items. This polyurethane glueexpands into the surface of the insulationand creates a tight bond ensuring the

insulation will stay in place for the life ofthe home.

All of these winterizing projects are easy,quick, and can be completed within a

weekend. Armed with a few supplies fromthe local hardware store, energy and heatsavings are just a few moments away.



Save on your winter heating costsA heavy-dutyadhesive, such as

Gorilla Epoxy, canbe used to install arubber thresholdunderneath yourgarage door, tokeep the cold atbay.

METRO EDITORIAL SERVICES

MORE HOME ENERGY

SAVING TIPS

Address those leaks before it's toolate. Cold air that enters the home

through such leaks, creates drafts thatare costly as the homeowner turns upthe thermostat to get rid of the chill.Before winter arrives, seal any existingdrafts around windows and doors, usingcaulk or weather-proof tape.

Replace old appliances. Older appli-ances might not work as efficiently asthey once did, requiring more energyand fuel to get the job done, and caus-ing a spike in utility costs along the way.

Consider renewable energy heatingappliances. Today's solar andbiomass/wood heating appliances are afar cry from those available as recentlyas three years ago.


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20/24


Few foods fit a season as well as chili

fits winter. As the dead of winterlooms large, foodies know full wellnothing can warm the body up betterthan a bowl of chili.

Photographer Frankie Frankeny, who along with Leslie Jonath co-authored Soups On: Soul SatisfyingRecipes from Your Favorite Cookbook Authors and Chefs, (ChronicleBooks), knows full well the value of ahot bowl of chili on a cold winters day.

Frankenys parents have enjoyedthe following recipe for Texas Chili

Soup, which Frankeny shares in hercookbook, for years on some of eastTexas coldest days.


TEXAS CHILI SOUP

INGREDIENTS:

2 tablespoons unsalted butter1 cup chopped onion4 teaspoons minced garlic1 pound ground pork1 pound ground beef or turkey2 cans (29 ounces each) diced tomatoes

3 cans (15 to 16 ounces each) pintobeans, drained and rinsed1 quart beef or chicken stock4 stalks celery, chopped2 tablespoons chili powder1 tablespoon red pepper flakes1 teaspoon cayenne pepper1 teaspoon saltShredded cheddar and Monterey Jackcheeses, for garnish2 green onions, chopped8 ounces sour cream

DIRECTIONS:

In a large pot, warm the butter overlow heat and saute the onion and gar-lic until golden. Add the ground porkand beef and cook until browned.

Drain off half of the fat. Add the toma-toes, beans, stock, celery, chili powder,pepper flakes, cayenne, and salt andsimmer until the flavors meld, 30 min-utes to 1 hour.

Serve in bowls sprinkled with cheese,chopped green onions, and a dollop ofsour cream.

Serves 6

Try thisTexas ChiliSoup thenext timewinterputs thechill on

you.

METRO

EDITORIAL

SERVICES

Feeling Chili?Nothing warms you up like a bowl of this winter staple

1130PTL020 11/16/2011 10:13 AM Page 20


21/24

BY TINKA DAVITODAYS HOME LIVING

Choosing the 10 best museums inPlacer County is a challenge, espe-cially for Melanie Barton, Placer

County Museums administrator.Its hard to say which ones are the top

10, she said. Id nominate all 18 muse-ums that are in the area.

Barton admits to a prejudice. Herfavorites are those she oversees plus theMaidu Museum. Nevertheless, here areher picks for the top eight must-see muse-ums, plus a couple more that are interest-ing.

Oh, and if you cant figure out which oneto visit first, create a game for the family.Cut out the list of museums, toss eachname into a basket or cookie tin, and thenhave the youngest member of the familydraw one each weekend you plan to go onan outing. In 10 weeks or 10 months

youll be able to visit each one.Just be sure to call the museums or visit

their websites before setting out, as hoursare subject to change.

1. Placer County Museum

Located on the first floor of Auburns His-toric Courthouse, 101 Maple St. Open dai-ly. Free admission.

The first floor of the building originallyhoused the county jail as well as theoffices of the sheriff, treasurer and countyclerk. In the former jail is the Museum

Gallery which provides an overview ofPlacer County history with a depiction ofa Nisenan Indian family.

In the foyer is the Pate Collection ofNative American art, a collection that con-

tains artifacts from California, the South-west, the Northwest Coast, Alaska and theEastern U.S. The sheriff s office has beenrestored to recreate the early days of thecourthouse. A Gold Collection is in a vaultinside the former treasurers office.

2. Maidu Museum & Historic Site1970 Johnson Ranch Drive, Roseville. OpenMonday-Saturday. Admission: $4.50 adults,$4 children and seniors, $16 family of four,$2 from 2-4 p.m. Tuesday-Friday, freemuseum days Dec. 20-22.

The cultural and material life of theMaidu people is told in this museum,

which displays tools made by the Native

Californians, baskets, toys, games, petro-glyphs and grinding holes.

The trail is beautiful at this time ofyear, said Mark Murphy, Maidu Museuminterim senior supervisor.


SEE MUSEUMS PAGE 22

Must-see museums in Placer County

GOLD COUNTRY NEWS SERVICE FILE PHOTO

Joanie Maxwell, looks out from the oldjail cell at the Placer County Museumat the Auburn Historic Courthouse.

1130PTL021 11/16/2011 10:12 AM Page 21


22/24

Upcoming events include a HolidayIndian Arts and Crafts Fair, 9 a.m.-1 p.m.Dec. 3. Seaweed, Salmon and ManzanitaCider, an exhibit of foods gathered andprepared by Indian tribes, opens Jan. 3,

with a special opening reception andnative food tasting Jan. 21.

3. Bernhard Museum Complex291 Auburn-Folsom Road, Auburn. OpenTuesdays through Sundays. Admission:free.

This Victorian-era house was built in1851 as the Travelers Rest Hotel and is oneof Auburns oldest buildings. The complexincludes the residence, wine storage and

wine processing buildings and barn. Acommercial winery is located on theground floor of the wine storage building.

4. Gold Country Museum1273 High St., Gold Country Fairgrounds,Auburn. Open Tuesdays-Sundays. Admis-sion: free.

Housed in a historic Works Progress Administration (WPA) building, thismuseum interprets the countys GoldRush history. The tour includes a hardrock mine, stamp mill and assayers office

where gold was processed. A miners cabinand mining camp saloon are part of theexhibit. For $3, visitors can pan for gold.

5. Roseville Telephone Museum106 Vernon St., Roseville. (916) 786-7621.Tours by reservation only.

Telephone history, presented by

SureWest, includes an extensive collectionof antique telephones and memorabilia.The four-gallery exhibit features displaysof original telephones designed by Alexan-der Graham Bell, early switchboards, can-dlestick and wooden wall telephones andtelephone booths.

6. Western Ski Sports MuseumNext to Boreal Ski Resort, on I-80. OpenFriday-Sunday during ski season, byappointment during off-season. Admis-sion: free.

Exhibition of Western North Americaskiing that began with the Gold Rush in1849 when miners used long boards totravel in the snow and to pass the time bydownhill racing with other camps. Includ-ed is an exhibit about legendary mailmanSnowshoe Thompson who carried heavymailbags over the Sierra Nevada moun-tains while rescuing stranded miners.

7. The Forest Hill Divide Museum24601 Harrison St., Foresthill. Open May-October. Admission: free.

Mining exhibits, history of the Foresthilland Iowa Hill divides. The tour includesthe museum facility, a reconstructed livery

stable/blacksmith shop and originalForesthill Jail.

8. Golden Drift Museum32820 Main St., Dutch Flat. Open Memori-al Day through Labor Day. Admission: free.

This museum focuses on hydraulicmining, the laying of the railroad lines andother historical events in this region wheregold mining hit its peak with the advent ofhydraulic diggings that produced millionsof dollars.

9. Carnegie Museum557 Lincoln St., Roseville. Open Monday-Friday and second Saturday of the month.Admission: free.

Exhibits and information on the historyof Roseville and surrounding areas are ondisplay, plus the museum offers a self-guided walking tour of Old Town Roseville.The museum is housed in Rosevilles firstpermanent library which was constructedin 1912 with brick and terra cotta fromGladding McBean in Lincoln and granitefrom Rocklin.

10. Griffith Quarry MuseumCorner of Taylor and Rock Springs roads,Penryn. Open Saturday and Sunday.

Admission: free.Originally the office of the Penryn Gran-

ite Works established in 1864, the museumcontains some of the original office furni-ture, information about the Griffith family

who established the quarry, the graniteindustry and the history of the Penryn-Loomis Basin area.



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GOLD COUNTRY NEWS SERVICE FILE PHOTO

Children grind acorns at the Maidu Museum and Historic Site in Roseville.

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1130PTL024 11/16/2011 10:19 AM Page 24

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Roseville Granite Bay Living - 2011