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CIRCULATION 5,000 JUNE 2009

TTHEHE NNEWSEWS ANDAND VVIEWSIEWS OFOF THETHE CCOTOOTO DEDE CCAZAAZA CCOMMUNITYOMMUNITYCZCZ MASTERMASTER ASSOCIATIONASSOCIATION • • THETHE VILLAGEVILLAGE • • LOSLOS RANCHOSRANCHOS ESTATESESTATES

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PRESORT STD.U.S. POSTAGE

PAIDRSM, CA

PERMIT #275

22431 Antonio Pkwy., Suite B160-217Rancho Santa Margarita, CA 92688

The 28th Annual Coto de Caza 4th of JulyParade and Country Fair is set for Saturday, July4th at 10 a.m. This year’s theme is “A Salute toOur Children”.

It is with great pleasure that the CotoCommunity Activities Network (Coto C.A.N.) ispleased to announce that this year’s grand mar-shal for the Annual 4th of July Parade downCoto Drive is none other than Terry Corwin.

Coto C.A.N. recognizes Terry for her countlesshours in helping not only the community ofCoto, but the people of Coto. She and her hus-band Clay have been instrumental in developingmany programs, but two that stand out in ourhearts are the formation of Education for theChildren (EFC) a foundation that assists ourlocal public schools (www.educationforthechil-

dren.org), as well as Lion’s Heart, a teen youthservice organization (www.lionsheartservice.org).

For the past 27 years the parade and fair havegrown into a great event with attendance reach-ing 5,000. This year promises to be even biggerand better. We’re planning to have more fun, foodand games for everyone. Join us as we transformthe basketball courts into a carnival of fun!

This year we’ll have special treats and selectionsof food and drink for parents and kids. Youwon’t want to miss out on the beer garden andother adult beverages, or the famous watermeloneating contest and sack races, obstacle courses,dunk tank, fitness twister, bean bag toss, pop-corn, cotton candy, sno cones, face painters,clowns among other games and prizes that arefun for the entire family.

As in year’s past, the parade will begin near theAntonio gate at Plano Trabuco and proceeddown Coto de Caza Drive to Vista del Verde,where it will turn into the Sports Park for thestart of the good ‘ol time Country Fair.

For additional safety during the parade, Cotode Caza Drive will be closed to thru traffic inboth the north and southbound lanes from 9a.m. until 12 noon from the Antonio Gate toVista del Verde.

The parade and fair admission is free. Fairgames, food and refreshments will require spe-cial tickets that will be sold for $2 each at theentrance to the fair grounds.

Be sure to turn your parade entry form in beforeJuly 3rd to be considered for judging. Entryforms can be picked up at the General Store,CVCC, Golf Club, Community Service Centeror by logging on to www.cotolifestyle.com.

This and many other events are hosted by CotoC.A.N. a non-profit community service organi-zation. Your continued support enable CotoC.A.N. to continue to put on events like 4th ofJuly.

For more information, call 949.459.0619 or visitwww.cotolifestyle.com.

• COTO VOICE • JUNE 2009


PUBLIC SAFETY

ENFORCEMENTTotal number of hours: 99Total number of citations: 103Total number of warnings: 22Total number of arrests: 1COUNTS CITATIONS WARNINGSSeat Belt: 9 2Stop Sign: 6 7Speed: 65 6Registration: 4 0License Plates: 2 0Mechanical Violations: 6 2Other: 11 5

AGE BREAKDOWNCITATIONS WARNINGS

17 years old and under: 12 118 - 20 years old: 12 221 - 24 years old: 8 125 - 29 years old: 4 230 - 34 years old: 6 335 - 39 years old: 9 040 - 44 years old: 17 545 - 49 years old: 10 250 years old and older: 25 6

Welcome. With Memorial Day having justpassed, and the Fourth of July approaching, Iwould like to take this opportunity to recog-nize Veterans from the Sheriff's Departmentwho serve Coto de Caza every day. The fol-lowing Sergeants and Deputies assigned toSouth Patrol either served in the UnitedStates Armed Forces or are currently serving:

Sergeant Chris Denison: Chris served as aCaptain with the United States Air Force. Hewas an Instructor Radar Navigator/Bombardier on the B-52 Bomber. He was arecipient of the Meritorious Service Medalfor work on war plans.

Deputy Jerry Chavez: Jerry currently servesas a Military Police Officer (HeadquarterStaff) with MCAS Miramar, United StatesMarine Corps. Jerry is a 19 year veteran withthe Marine Corps and participated in theSomalia landing to retrieve the downed BlackHawk helicopter.

Deputy Mike Duda: Mike served as aSergeant First Class (E-7) with the UnitedStates Army. Mike earned a Silver Star forconspicuous gallantry in combat operationsduring Operation Desert Storm.

Deputy Mark Kelley: Mark served as aSecurity Policeman with the United States AirForce. Mark was assigned to a competition

team known as Peacekeeper Challenge. Histeam competed against Military Police teamsfrom all branches of the US Military as wellas units from other countries.

Deputy Scott Montoya: Scott served as aSergeant with the United States MarineCorps. While serving as sniper, Scott wasawarded the Navy Cross during service inOperation Iraqi Freedom.

Please take a moment to thank the Veteransyou come in contact with for their valuableservice.

I can be reached at the Aliso Viejo Station at949 425-1819. My mailing address is 11Journey, Aliso Viejo. My e-mail address [email protected]. To learn more about theSheriff's Department, please visit our websiteat ocsd.org. You can also access the Sheriff'sBlotter from this site which includes Sheriff'scalls in Coto. Please note that not all callsare listed due to confidentiality restrictions. Ihope to hear from you soon and address someof your questions next month.

To learn more about the Sheriff's Department,please visit our website at ocsd.org. You canalso access the Sheriff's Blotter from this sitewhich includes Sheriff's calls in Coto. Pleasenote that not all calls are listed due to confi-dentiality restrictions.

Chief ’sCorner

BY LT. BILL GRIFFIN - OCSD

TRAFFIC COLLISION DATANONE

CHP REPORTFOR MONTH OF

APRIL 2009The charts to the below represent enforcementactivity by the California Highway Patrol inthe Coto de Caza community from April 1 through April 30, 2009.We will continue to keep the residentsinformed on the CHP’s reporting of activity asoutlined in the charts below. If you have anyquestions about this report, please contact theCalifornia Highway Patrol at 949.487.4000.


FOR OUR YOUTHJake Orsini, a 6th grader at Serra CatholicSchool, recently returned from a trip toWashington D.C., where he attended a Peopleto People World Leadership Forum.

Orsini, along with fellow delegates fromaround the world, participated in the program.Orsini learned about leadership and how greatleaders throughout history have handledworld events.

Various “hands-on” activities, professionalspeakers, workshops, and visits to significantmemorials, museums and monuments gaveOrsini a new perspective on the importanceand essential need for informed, passionateworld leaders. Most of all, “it taught me somuch more about the history of our countryand how our government works,” said Orsini.

COTO STUDENT, JAKE ORSINI, RETURNS FROMINSPIRING TRIP TO OUR NATION’S CAPITAL

The People to People World LeadershipForum offers students a unique blend of spe-cialized educational, leadership and culturalexposure through a variety of programs, aswell as an itinerary filled with the highlightsof the hosting community.

While in Washington, D.C., Orsini formedmany lasting friendships with other StudentLeaders from around the world. Participantsin these programs often experience life-changing shifts in their attitudes toward indi-vidual and shared responsibilities, globalleadership and appreciation of cultural diver-sity.

They also return home with enhanced skillsof self-confidence.

Las Flores Middle School has launched a newwebsite:www.lfms.capousd.ca.schoolloop.com

As the school year begins to come to an end,there are a few important items:

Summer School Information

Middle School - students entering grades 6,7 and 8The 2008 Capistrano Unified SchoolDistrict's remedial Summer School programfor middle school students provides an oppor-tunity for at-risk students to improve basicskills in preparation for passing the HighSchool Exit Exam.

Parents of students entering 6th, 7th and 8thgrade that qualify for this program will soonbe receiving an application in the mail.Classes begin on June 22nd and end July23rd and will be held at Marco ForsterMiddle School in San Juan Capistrano.Parents are responsible for providing trans-portation.

High School - students entering grade 9Freshman Focus is the only on-campuscourse available to students entering highschool. This is a remedial program that pro-vides an opportunity for at-risk students toimprove basic skills in preparation for pass-ing the High School Exit Exam. Studentsshould sign up for Literacy #3402 and Math#3412. Classes will be held at Dana HillsHigh School in Dana Point and parents areresponsible for providing transportation.

Students for both programs were selectedwith strict criteria based upon CST test infor-

mation as well as grades. If you have anyquestions, you may contact one of ourAcademic Advisors.

Advanced Classes for students entering 9thgrade

Advanced students who wish to register forHeath, or other advanced classes must stopby to see a LFMS Academic Advisor andpick up the appropriate forms. These classesare either held at Saddleback College or arecompleted on-line. Student is responsible forcompleting all paperwork and following cor-rect procedures.

Important School Packet Pick-UpDates

August 25, 2009 from 8:00 a.m. to 12:00p.m. for students with last names A - L

August 26, 2009 from 8:00 a.m. to 12:00p.m. for students with last names M - Z

8th Grade Dance Information

On Friday evening, June 12th, 2009, LasFlores Middle School will hold the traditional8th Grade Dance. The dance will be held inthe school's multi-purpose room, and itshours are from 6:30 to 9:30 p.m. The 8thgrade Dance does have an admission cost of$10. Tickets may be obtained during lunchnear the Covered Court area on Friday, June5th through Thursday, June 11, 2009.

Students wishing to obtain a dance ticketmust return the bottom portion of this lettersigned by a parent or guardian by Thursday,June 11th. Tickets will only be issued at

IMPORTANT INFORMATION FROM LAS FLORES MIDDLE SCHOOL

lunch time during the dates listed above.Only signed permission slips will be accept-ed. Students must be in attendance at school,all day, on June 12, 2009 to attend. Studentsmust present their ticket in order to gainentrance. LFMS school staff members andparents will be in attendance acting as chap-erones. Refreshments will be provided.

Any student having ten or more demerits willnot be permitted to attend the dance. TheAssistant Principals have notified those stu-dents of their status. We anticipate students tomodel appropriate behavior while attendingthe dance. "Freak dancing" is not allowed.Students involved in dancing inappropriatelywill be sent home.

Appropriate attire for this dance is dress-up.Formal attire IS NOT acceptable at the dance.This includes elaborate fabric such assequins, taffeta, chiffon, and netting for girls;tuxedos for boys.

Dress-up Attire for Girls: Dress-up attire forthe 8th grade dance would be a party dressdifferent from everyday school clothes.Strapless dresses are not acceptable. Dressesshould not be too short or too revealing.

Dress-up Attire for Boys: Dress-up attire isa sweater, vest, collared shirt, a tie (optional),or sport coat. Levi's or shorts are not consid-ered suitable for the event.

Please be at school by 9:30 p.m. to pick upyour child (children not picked up by 9:30p.m. may lose their privilege of going to the8th grade picnic at Wild Rivers on Thursday,June 18, 2009).

CZ MASTER ASSOCIATION NEWS


average 500 homeowners are responding to the sur-veys. I would really love to have the participation ofall 3,474 homes in our CZ Master community. If youhave not provided your email address to receive thesurveys and would like to do so, please go towww.czmaster.org, go to Forms, and forward theSurvey e-mail form to Keystone Pacific to be addedto the list.

Best wishes for a safe and cool summer.

Xochitl Yocham, Board PresidentCZ Master Association - [email protected]

2009 STREET PROJECTStreet repairs will start Wednesday, May 27th. Theschedule provided by the contractor, All CitiesPaving, is Canyon Estates, Chantemar, The Classics,Fairway Estates that week, Los Verdes and Pinnaclesthe week of June 1st, and The Woods the week ofJune 8th. Residents in these communities shouldwatch for a future slurry seal notice to be mailed toyour homes.

BEING A GOOD NEIGHBORPlease remember that the Coto Golf & Racquet Clubgolf course is private property. If you chose to walkyour dog on the golf course you are considered atrespasser. The Club has the right as a private proper-ty owner to contact the Sheriff’s department to reporttrespassers and they have done so in the past to pro-tect their property. Please be a good neighbor and donot use the golf course as a dog park or walking trailfor yourself or your pet.

LANDSCAPE UPDATESThe irrigation project continues on Coto de CazaDrive. Irrigation lines and new sprinkler heads arebeing moved about 18” from the curb to preventwater overspray onto the street’s asphalt surface.Water damages the asphalt surface prematurely.

Planting of new plants on the slopes adjacent to theWood community started mid-May. Old plant mate-rial that had reached the end of it’s useful life wasremoved earlier and a general slope clean up con-ducted. The landscape committee selected droughttolerant plants to fill in the areas that were left bareby the removals and clean up.

ENFORCEMENT - IT’S PART OF THEJOBThe Keystone Pacific staff for CZ Master has anEnforcement Coordinator position tasked with con-ducting property reviews twice each week to ensurecompliance with the CC&R’s, rules & regulations,and architectural standards. As this is a large commu-nity to cover, each area is reviewed typically twiceeach month. Many times residents receive notices orreminders regarding maintenance issues or architec-tural violations that are generated from these propertyreviews.

In addition, located on the www.czmaster.org website there is a Rules & Violations Report form thatmay be submitted by residents to the EnforcementCoordinator to bring attention to an issue of concernfor verification if necessary. Such matters as exces-sive dog barking or late night noise disturbances areexamples of issues that may also be reported on theform and these are issues that staff cannot necessarilyverify for accuracy. It is important to supply as much

detailed information regarding an unverifiable viola-tion as possible so the undesirable action or issue isclear to the offender.

MAY 7, 2009 CANDIDATES NIGHTMEETINGCandidates Night was held on Thursday, May 7th atthe Coto Golf & Racquet Club to provide interestedhomeowners with a forum to ask the five Board can-didates questions. Approximately thirteen homeown-ers attended for a brief question and answer dialogue.The Annual meeting is May 28th.

The next general session meeting is June 11, 2009.The meeting agenda will be posted at the CotoCommunity Service Center, 26800 Coto de CazaDrive and the Keystone Pacific office, 29883 SantaMargarita Parkway, Suite 600, and is available on theAssociation’s website 4 days in advance of the meet-ing. You may also obtain a copy of the agenda bycontacting management at 949-838-3295.

IMPORTANT CONTACTSKeystone Pacific Property Management Office isopen Monday through Friday from 9am to 5 pm andis located at 29883 Santa Margarita Parkway, Suite600, Rancho Santa Margarita, CA 92688

Phone: 949-777-1161Fax: 949-858-0205

For an after hour emergency please call 949-833-2600 for service line; Call 9-1-1 for life threateningemergencies.General Manager: Vincentia Davis 949-838-3205E-mail: [email protected] AREAMAINTENANCE:Property Manager: Rebecca Gomez949-838-3285E-mail: [email protected] ISSUES:Landscape Assistant: Tracy Williams949-838-3297E-mail: [email protected] ISSUES:Architectural Coordinator: Tonja Gray949-838-3287E-mail:[email protected] ISSUES:Enforcement: Christine Clancy949-838-3294E-mail: [email protected] PARK RESERVATIONS:Associate: Carla Taylor949-838-3295E-mail: [email protected] BROKER:United Agencies 626-535-8300CALLCENTER: 888-3800SECURITY OFFICE: 888-3800TRANSPONDER OFFICE: 858-2290

NEXT OPEN SESSIONBOARD MEETING

JUNE 11TH

at 6 P.M. COTO GOLF CLUB

Board meetings are open to all CZ MasterAssociation property owners.

PRESIDENT’S LETTERJUNE 2009

The transition to dwellinglive fromGateworks for guest managementwent relatively seamless on May 1st.We received very positive feedbackfrom the community regarding theintegrated website/guest registrationprogram we are happy to say. It hap-

pened none too soon as we face one of the busiesttimes of the year in our community with graduationand summer vacation right around the corner. If youhave not registered for guest management onwww.czmster.org, please take the time to do so andtake a look at the new features the new website hasto offer.

Over the next couple of months we will be tweakingand fine tuning the site so we can further meet theneeds of the community. Take the time to set up yourprofile to meet your particular desires such as receiv-ing e-mail alerts when guests, children, or serviceproviders enter the gates, receive e-mail announce-ments on coming events in the community, view thephoto gallery on past events, posting neighborhoodinformation on the bulletin board and posting yourcontact information in the address book to connectwith your fellow neighbors.

We have received inquiries regarding what types ofmessages can be posted on the community bulletinboard. The following types of item can be posted onthe web-site:• Sale of a household item(s) (No commercial/retail products)

• Babysitting, pet sitting, by non-commercial providers

• Solicitation for membership or posting of events for organizations within the community (book clubs, kid clubs, bridge club, etc.) • Community alerts such as lost and found, looking for a tennis, running, or biking partner

Bulletin board messages are reviewed for appropri-ateness and compliance with the guidelines for website posting by our General Manager. For those ofyou who have a commercial business that you wouldlike to advertise to the community, please contactdwellinglive at 800-975-6881 or [email protected] to discuss placing anad on the commercial directory. Realtors who wouldlike to place an ad on the realtor page, may call theabove 800# or may contactwww.dwellinglive.com/real estate.

As I mentioned above, we are entering a very busytime of the year for celebrations and get-together'swith friends and loved ones. With the additional traf-fic (auto, foot, and bike) within the community fromcollege students returning home for the summer andthe younger adolescent crowd out on summer break,I would like to remind everyone to drive slowly andwatch for pedestrians. If you are hosting an event atyour home, please review the community rules andregulations regarding parking and speed limits withyour guests. Ultimately you the homeowner areresponsible for any violation of our rules by yourguests. Please be courteous to your neighbors bykeeping any noise and auto traffic on the neighbor-hood streets to a minimum.

In closing, I would like to mention that we will bewrapping up our community surveys for the year.Survey results are posted on our web-site. We will beutilizing these surveys to see where we can improveservices or community amenities as well as formulat-ing the 2010 budget. The Safety/Gate Access Surveywill be out sometime in June. Watch for it and pleasebe sure to participate. We have around 1,600 e-mailaddresses out of the 3,474 households in CZM. On

From theCommunityManager...


UPCOMINGCOMMUNITYCALENDAROF EVENTS

Sponsored by Coto CommunityActivities Network

(Coto C.A.N.)

MOVIES IN THE PARK(3rd Friday of ea mo. 7p.m.)

Friday, June 19th - TRANSFORMERSFriday, July 17th TBDLocation: Sports Park

4TH OF JULY PARADE &COUNTRY FAIR

Saturday, July 4th (10a Parade)Location: CDC Dr. & Sports Park

TASTE OF COTO & CONCERT INTHE PARK

Saturday, August 22nd (3-10p)Food/Catering/Beverage vendorsRock Concert (bands TBD) Location: Sports Park-lower fields

HALLOWEEN HAUNTED HOUSEFri., Oct. 23rd & Sat. Oct. 24th6:30-9p Location: Coto Valley Club

THANKSGIVING FOOD DRIVENovember 1 through 23rdLocation: Coto Valley Club &Community Service Center

ANGEL TREE GIFT GIVINGDecember 1st through 21stCoto Valley Club & CommunityService Center

Coto C.A.N. is a volunteer organizationthat is looking for new members. Nodues required, just your passion to helpmake Coto a fun and more excitingplace to live.

Coto C.A.N. meets the 2nd Tuesdayof each month at 7 p.m. June 9th meeting will be held at Rose Cantina.

For information on these and otherevents contact 459.0619.

Delegates’ CornerThe District Delegates’ Corner is a monthly article written by theDelegates to share their thoughts and outlook on Coto de Caza

My name is Bob Alberts and I'm the DistrictDelegate for District 7, East Hill - East Point. Asusual, the opinions, statements and conclusions inmy versions of the Delegates' Corner are minealone and, unless otherwise indicated, are notmade on behalf of anyone else.

This month's column is intended to be neitherinformative nor serious. (It seems when myobjective is the former, the column is too long,and when it's the latter, well…it's really too long.)In fact, this month's column should fit right inwith a change that seems to be occurring in the"mainstream media" -- "good news-spin" isreplacing "bad news-spin." As these words arebeing written, recentreports about things suchas the economy, the wars,increasing sun spot activi-ty and the apparent inabili-ty of our elected officialsto balance our Federal orState budgets during ourlifetime all seem to be pre-sented in ways designed toassure us that the prover-bial "light at the end of thetunnel" isn't the train com-ing. A few days ago themedia actually reported, asgood news, that there hasbeen a decrease in the rateof increase in unemploy-ment. Another example:reports that the number ofpeople who can nowafford to buy residentialre-sales is increasing,although the number ofhomeowners who canafford to sell their homesis decreasing.

Here's how a good news-spin approach might applyin Coto: So far this springthere have been no reportsof a return of mountainlions to our parks andopen space, so maybe wewon't have a reneweddebate about whether theinhabitants of Coto whowere here first get firstdibs on our habitat. Itlooks as if we won't haveto worry about flooding ormudslides for another fewmonths. More dog-walk-ers seem to be picking upafter their pets on oursidewalks and trails.More dog-walkers seemto have their pets onleashes in our open spaceareas. Maybe more dog-walkers than not will usea "doggie park" if, as indi-cated at a recent CZBoard meeting, one is tobe built in Coto.

Just because the OrangeCounty Local Agency

Formation Commission (LAFCO) thinks Cotobelongs in Rancho Santa Margarita's sphere ofinfluence ("a precursor to annexation" accordingto a recent news story in the O.C. Register onMay 14th and May 19th) doesn't mean RanchoSanta Margarita wants to annex us.

Only three CZ Districts (21; 28 and 43; there isstill no District 18) failed to elect delegates thisyear. And maybe the fact that I've now lived inCoto long enough to know better than to stoptraffic to let baby rabbits safely cross the street isresulting in fewer "rear-enders" along Vista delVerde Drive. So who needs good news-spin; lifereally is good here in Coto!

REGISTER ON-LINE FORTHE 28TH ANNUAL COTO 4TH OF JULY

PARADE & FAIRwww.CotoLifestyle.com


COTOLIFESTYLE.COM OFFERSCOTO RESIDENTS DISCOUNT

COUPONS TO AREA RESTAURANTSLog on to www.CotoLifestyle.com click on RESTAURANT GUIDE and then click on the right tab “EAT DRINKSAVE MONEY” and then follow theprompts to print out your savings certificates. It’s that easy!

COTOLIFESTYLE.COM, is a recentlydeveloped on-line web site that offers residents and business owners up-to-the-minute happenings on “everything that IS Coto”...receive emailnotification of upcoming events, checklocal movie and restaurant guide forspecial discounts, sell your unwanteditems FREE on Coto Trader, and much more!

REGISTER ATCOTOLIFESTYLE.COMand get a complimentary pool pass for a family

of four from Coto Valley Sports Club

(Offer valid thru June 30, 2009)

15% Off AllNon-prescription Sunglasses

With this coupon, in stock only. Offer exp. 6-30-09


The May Santa Barbara, or Jesusita, fire isthe most recent reminder to Coto residentsthat we must be vigilant in our fire pre-paredness. Ironically, according to the SanFrancisco Chronicle, investigators say thefire was caused by a spark off of a powertool being used to clear vegetation duringfuel modification (fuel mod) activities.While this was certainly a very unfortunateconsequence, fuel mod is still one of themost important things we can do to reducethe likelihood of wildfire ignition and/or tolessen potential damage in a wildfire situa-tion.

Fuel mod is defined by zones, or strips ofland, where combustible vegetation hasbeen removed and/or modified and partiallyor totally replaced with more adequatelyspaced, drought-tolerant, fire-resistantplants so that a reasonable level of protec-tion to structures from wild fires exists.The Orange County Fire Authority (OCFA)has developed detailed guidelines for fuelmod, which identify four zones, A-D, thatare designed, installed, and maintained tomeet safety requirements.

Zone A, or Irrigated Structure SetbackZone, is a setback zone whose purpose is toprovide defensible space for the fire depart-ment and to protect structures from radiant andconvective heat. Zone A has to be at least 20feet wide, irrigated, and located on a level,graded area at the top or base of a slope.Maintenance responsibility of Zone A mayvary. If Zone A is located on private property,

the resident is required to maintain it.Otherwise, the HOA is responsible for upkeep.

Zone B, or Irrigated Zone, consists of irrigatedlandscaping. This irrigated zone must be aminimum of 50 feet in width and may beincreased as conditions warrant. Zone B must

FIRE SEASON IS UPON US (IS IT EVER NOT?)Submitted by the CZ Master Landscape Committee

be cleared of all undesirable plant species,irrigated, and planted with species from theapproved OCFA list.

Zones C & D, or Thinning, Non-IrrigatedZones, are each 50 feet in width and requirehorizontal and vertical spacing of plantgroups, and removal of all dead and dyingvegetation and undesirable species.Minimum thinning percentage of plantremoval for Zone C is 50%. Minimumthinning percentage of plant removal forZone D is 30%.

The CZ Master Association, workingthrough the Landscape Committee, ourLandscape Consultants, and Coto vendors(Wendt and Boulder Works) manages andmaintains about 90 acres of fuel modthroughout the community. A total of sixmen are dedicated year-round to fuel mod.Another 50-60 acres are maintained by pri-vate owners who are responsible to main-tain their property to the fire defense stan-dard of the OCFA. A few years ago, OCFABattalion Chief, Scott Brown, personallypraised Coto de Caza for having one of thebest maintained fuel-mod programs in thecounty.

For more details on fuel mod specifications,please go to:www.ocfa.org/_uploads/pdf/guidec05.pdf'. Or,if you have specific questions about fuel modor landscaping in your area, please contactTracy Williams at [email protected].

Dedicated Cleaners hasbeen cleaning homes inour area for almost 15years. They are a localhouse-cleaning serviceowned and meticulous-ly operated by area res-ident Myrna DiVerde.She and her team ofcleaners are committedto providing qualitycleaning services ataffordable rates so thatyou have more time to

do what you really need to do.

Basic services include dusting and polishing

furniture, cleaning bathrooms and kitchen(countertops, sink, stove top, outside appli-ances, microwave, refrigerator top, sink win-dow); baseboards, windowsills, light fixtures,cobwebs, vacuuming, bed making and linenchanging (if requested); trash removal, floorcleaning; dusting picture frames, blinds, shut-ters, and ceiling fans.

For an extra fee Dedicated Cleaners will alsoclean windows, sliding glass doors, Frenchdoors, and wall-size mirrors. They can alsoaccommodate cleaning back yards, patios,garages, front entrances, balconies, and fire-places. Interior refrigerator and oven cleaningare also offered along with laundry service(wash, dry and fold).

Service options include weekly, bi-monthly,monthly, same-day cleaning, custom-schedul-ing upon request, and customized-cleaningservices upon request. Dedicated Cleanersserves Coto de Caza and all of Orange County,Monday through Saturday (and Sundays areavailable for one-time special circumstances).Dedicated Cleaners has extensive experiencewith homes, apartments, condos, offices,vacant locations, one-time cleaning, regularmaintenance or move-in/move-out situations.

For a free estimate or to learn more aboutDedicated Cleaners, please contact MyrnaDiVerde at 949-459-6911 or www.dedicated-cleaners.com.

WHY BE STUCK AT HOME CLEANING?LET DEDICATED CLEANERS TAKE CARE OF YOU


COTO C.A.N. IN CONJUNCTION WITH COTO GOLF & RACQUET CLUB PRESENTS

FREE MOVIE NIGHTFEATURING THE BOX OFFICE HIT - TTRRAANNSSFFOORRMMEERRSS

FRIDAY, JUNE 19TH AT 7:00 P.M.

Mark your calendar for the next summer movie:

JULY 17TH - TBD (rated G or PG)

This and many other events in the communityare brought to you by the Coto Community

Activities Network (Coto C.A.N.).

For more information please contactCoto C.A.N. at 459.0619 [email protected].

A special thank you to our partner,The Coto de Caza Golf & RacquetClub, in this seasons movies series:

The Golf & Racquet Club has somegreat programs for old and young alike. Don�t miss out on great oppor-tunities for kids...$5 Junior Tennisand Golf Clinics, Cooking Classes,Summer Swim Programs, and more!

Plus, for adults...The Spa, GroupGolf and Tennis Clinics, CookingClasses, Wine Club, Fitness and oh,the Spa!

SUMMER CONCERT AT

THE GOLF CLUB:

HUEY LEWIS & THE NEWSAUGUST 1ST

Tickets go on Sale June 4at 5:30 p.m.

For information on becoming aMember to come be a part of this

and all the many fine events at the Coto deCaza Golf & racquet Club, call Alice Kapitanin the Membership Office at 949.858.4100 X208.

The Coto Community ActivitiesNetwork (Coto C.A.N.) with the sup-port of The Coto de Caza Golf &Racquet Club presents "Movies in thePark", a FREE summer movie seriesfor all Coto residents.

This FREE screening of the boxoffice hit TRANSFORMERS is onFriday, June 19th. Please note thatTransformers has a rating of PG-13.

All movies will be shown at theSports Park on a giant screen.Seating begins at 7:00 p.m. with themovie to follow at sundown. Noreservations are required, but arriveearly to get a good seat and enjoy alittle dinner before the feature.

Prior to and during the movie, wewill offer pizza slices, popcorn, soda,water and candy each for $2. Inaddition, a pre-movie trivia contest,with a chance to win gift certificatesto local establishments, prizes andmuch more, so arrive early!

The Sports Park is located just offCoto de Caza Drive between Vistadel Verde and Alta Vista. Be sure tocome early to get a great spot. Bringyour beach chairs, family and friendsfor a FREE summer night of fun!

All proceeds from the sale of refreshments, pop-corn and candy will benefit Coto C.A.N. in sup-port of other great events for the Coto de Cazacommunity.


LOCAL SUMMER TUTORINGPROGRAM TO BOOST WRITING,

EDITING, AND MATH SKILLSClarity Learning is taking aunique approach to summer tutor-ing by tapping into kids' desire toplay computer games. This sum-mer, one of Clarity's programswill include weekly online Worldof Warcraft™ (WoW) quests for agroup of characters comprised ofClarity Learning students.

In the week after each journey,students will write about theirquests and create and solve mathword problems related to thequest's events. Tutors will cus-tomize writing and math projectsaccording to grade level. Thisinteractive tutoring is a great wayto help your kids learn additional skills dur-ing the summer while they actually have fun!

According to Clarity owner, Michelle Deets,"As I tutor each school year, I see students

receive low grades, re-do assignments, orspend extra time due to errors that could havebeen fixed during the summer. Happily, I alsoget to help summer students with basic skills

and then watch them apply thoseskills the next school year."

Clarity Learning also offers basictutoring services that are convenient(in your home) and affordable. Plusthere is no extra charge for a secondstudent (same session, same project).That's as low as $22.50 per child foran hour of tutoring!

Clarity Learning is dedicated to bridg-ing the educational gap between par-ents, children, and schools in order torelieve parent stress, encourage chil-dren, and remove some pressure fromthe teacher.

For more information on tutoring this sum-mer (or right now) contact Michelle Deets at949-350-5335 or [email protected], or visitwww.claritylearning.net.

BIRTHANNOUNCEMENT

CONGRATSTO THE

SAID FAMILYMelissa and Jason Said wouldlike to announce the birth of theirdaughter Keira Marie Said.

Born May 21,2009 at 4:11 amweighing 8 pounds and 19 1/2inches long.

Granddaughter to Mike & LindaAmeel of Coto de Caza and SallyWeber of Bend, Oregon.

Brown University, Harvard,Dartmouth, Cornell, UCLA,UC Berkeley, UCSD, BostonUniversity, University ofMichigan, Cal Poly SLO, andother notable schools. Toknow that students canaccomplish such a feat likegetting into any of thesecredible schools is laudable

and noteworthy to mention. I am proud to bepart of and one of such accomplished stu-dents in the Class of 2009.

With the onset of these last couple of days,there will be a lot to reflect about these pastfour years. The friends I made, the teachers Ihave come to admire, the continual supportthat I received, and the many people that Ihave served will always cross my mind.When one is occupied for so long, it is hardto notice how fast time flies. There were somany things learned, so many things discov-ered, and so many things to be remembered.Once summer comes, it will all just be but amemory. It is a sad feeling to leave every-


COTO CHARITYI'VE NEVERBEEN SO BUSYIN MY LIFEThere are good people everywhere but it seems thathere in Coto de Caza, goodness abounds. Wherecould you find such kindness and generosity? Thedesire to help others seems to be contagious andthere is no need to take a flu shot to stop the flow oflove. Let me give you an example of what I amreferring to.

Our dear Patrick went to shine his Irish Eyes inHeaven nearly two months ago and since then, Ihave been the recipient of this enormous outpouringof Coto love and care.

It began immediately after the 13th of April whenHortencia and Gilbert came over to our house withhalf of Costco. They brought in armloads of gro-ceries, cases of bottled water, cakes, goodies, necessi-ties and wine. Then Susie and Joe Marino asked tohelp and brought two hundred and fifty bottles ofwater to San Francisco Solano Church to give to theparched participants at the Celebrations of EternalLife. After which Susie brought Italian dinners to thehouse, enough to feed at least fifty people. Marleneand Frank Kalupski kept me company while Frankfixed all of our electronics and Marlene came to staywith me night after night until I was tired enough togo to sleep...then and only then did she venture forthand go to her home. Jackie Nowlin, whom we callaffectionately Mother Theresa of Coto, pledged somuch support that I am in awe. Her family hasmade a commitment to bring out the garbage binseach and every week and to take them back inbehind our gates. She offers me dinner so many

many times while EricNowlin is consistentlyasking if there is anythingelse they might do. Theirchildren, well trained forservice to others, arealways there to help withanything required.

I have gone out to dinnerwith so many people...it isbeyond my imagination.Last Saturday night, Tinaand Phil Lofty broughtme to a PersianRestaurant, Caspian, andwe had great food plusbelly dancers toboot....what a hoot. I'vegone to Mass at HolyTrinity with the Tursios Family...Zavior, Ann,Roberto and Sandra plus their Mother Mercedes andtheir children...we went to Ricardo's in San JuanCapistrano. There was a lovely harpist on a Sundayafternoon that made anything you ate taste like heav-en. Alex Bavly went to the Mission San Luis Reywith me to chose the headstone for Paddy and on theway back she treated me to a great lunch at ElModine del Oro in San Juan Capistrano...anotherwow of a place with a bakery that you could die for.I have dined with Dana and Eric Newmarket atManga Pasta and discovered the best alfredo sauceimaginable. Then on to Tutto Fresco with theMacVicors for the best Italian food in SouthernCalifornia...bar none with the exception of that alfre-do afore mentioned. Linda England graciously host-ed a lunch at Hanna's with great conversation and Ifound out that she is going to chair the CotoPhilharmonic...what a great leader she will be. Thefollowing week Marigold Baker and I spent hours atHanna's. I loved learning many wonderful ideasfrom Marigold...she is a ray of sunlight and a gentlereminder of God's Greatness. Ardee, the smashingredhead from the Coto Phil, bought our book club'sselection for the month of April for me and then wewent to breakfast at Cinnamon Productions withCatalina Quintero. And there are more amazing actsof love and kindness. Jan and Siri, our neighbors, areboth chiropractors and take turns helping my body tocope and to loosen up those areas which have reallytightened due to stress. They are such great healers.

Janie’sC ornerby Janie O’Reilly

Kathy Poulas, who lives a street or two above me,left a little package on the front patio and when Iopened it up, it was a beautiful water color ofMission San Lius Rey which she picked up in LaJolla. Peter and Tracy Drivas have asked me todine with them at their lovely home while they fillup my freezer with Haegan Das Ice Cream andDrum Sticks...bring on the chocolate. One day Ifound a tower of treats at our front door. It wasfilled with fruit...the best fruit I have ever eaten.That gift was left by Deleen and Jim Hoff.

How can I ever give back? I ask myself this ques-tion daily.

And this hasn't stopped. I am thinking that theworld needs to know about these lovely people...itwould dispel the darkness, the light of the Lightwould shine for all to see, the world would be a gen-tler, kinder place. There is so much love to give andreceiving this love is amazingly humbling and so soenriching. I ask the Lord to allow me to give therest of my life in service for others, just as I havereceived so much...to allow me to give even more.Every Wednesday evening we have prayer at ourhome. So many more people are coming here topray. What a gift from God this is....If you wouldlike to join us...please call our home which is namedCenacle House at 949-888-1140 for directions andstarting time. We'd love to pray with you that thiswonderful charity will continue to abound for all ofus.

After four years of anticipation, hard workand patience, my classmates and I can finallysay that we are graduates. To be bestowedwith such a title is quite honorary and distin-guished. It signifies four years of accomplish-ments, four years of determination, and fouryears of maturation. Through this, highschool has enabled us to grow and reflect onour actions, efforts, and numerous achieve-ments.

The Class of 2009 has been raved as Tesoro's,if not our generation's, finest class. My class-mates are some of the brightest and mostaccomplished people I have met in such a set-ting. Many of my classmates are heading to

thing that is familiar to one, and start entirelynew. Yet, I could not be more excited toembark on this new journey through my col-lege years.

Although graduation is an end to one's highschool career, it is the commencement of abrand -new chapter to one's book of life. Inthe fall, I will continue my studies at theUniversity of California, San Diego, and willcontinue to write as The Coto Voice's "TeenBeat" columnist. As I traverse into PoliticalScience and the wonderful opportunities thatwill be granted to me down in La Jolla, I willalways look back to my high school years asa reminder of the good that is to come withfuture endeavors.

Contact me at [email protected] ifyou wish to write to comment or give sugges-tions. If you wish to write about your collegeexperience or what you've desired to reflecton these past four years, please don't hesitateto opine and contact me.

tEENbEATby Gabriella Hoffman


COTO CLUB SCENE

Coto de CazaCommittee InstallsNew Board

Sharon Hirsh graciously opened her lovelyhome for the May meeting of the CotoCommittee of the Philharmonic Society ofOrange County.

After an enjoyable social hour, members weretreated to a delicious Greek dinner catered byDaphne's Greek Café.

During a very brief business meeting LindaEngland, incoming Chairman, presented AliceDailey, outgoing Chairman, with a lovelymusical charm which the Board wanted her tohave in appreciation of a job very well done.

Rilla Griffin, Public Relations Chairman, wasgiven the privilege of installing the newExecutive Board of Directors for 2009-2010.They are as follows: Linda England,Chairman; Wendy Peterson, Vice Chairman;Jacque Douglas, ViceChairmanMembership; MarionRusso, Vice ChairmanYouth Programs; JanetRussell, Treasurer;Catalina Quintero andBunny Poolos, Co-CorrespondingSecretaries and AliceDailey,Parliamentarian.

The Coto de CazaCommittee of the

COTO PHILHARMONIC NOTES

The Riders express their warmest condolencesto the family of KELLY REITER who lost herlife on Ortega Highway on May 17. A servicewas held on May 30 and her family asked thatdonations be forwarded to Orangewood

Children's Homein Mission Viejo.

We had a wonder-ful deviation forour monthlymeeting. It was adinner gatheringat Rose Canyon

Cantina & Grill and to no one's surprise a lotof travel chatter. I launched an attempt tosend-by-email a summary of the meeting.

The visit to the March AFB was capped byGeorge Thagard and Bill Barnett taking overthe "Strategic Air Command" B-47 flight crew

of the 1965movie set.The halfhour tramtour wasespeciallywell done.

Several riders, also American veterans, attend-ed a tribute to Veterans of all wars at theArcadia County Park. It was a well presentedtribute to our vets and servicemen currently onactive duty. Bands, rifle drill teams, historicalmilitary displays, and individual booths honor-ing the services dotted the park for the event.

The American Society Of Military HistoryMuseum (Goggle it) featured hands-on dis-

plays of weapons, vehicles, uniforms and moreand was a highlight at the event. These are thefolks that participate in military reenactmentsof WWII on the Lane Victory (www.lanevicto-ry.org) and at various air shows.

Like every Memorial Day for the past 7 years,the Riders supportedthe Saddleback 1/2Marathon and 5 K race.The Bakers were espe-cially prepared.

We have identified asecond ride to Laughlin,

NV. as a three-dayer Jun 20 -22 (Sat-Mon).Riders will be staying at the Aquarius Casino.Check the web page for details. We are alsolooking at a two day ride to Solvang inSeptember.

Please consider riding in the Coto 4th of Julyparade. It's a short, but fulfilling ride as welead the parade displaying the military stan-dards and the US colors on the motorcycles.Look to the web at www.cotoriders.com fordetails.

Philharmonic Society of Orange County meetson the third Tuesday of every month and wel-comes new members who are interested insupporting free music education programs forour county's children. For information, pleasecall the PSOC office at: 949- 553-2422 orthrough our e-mail [email protected].

The Rotary Club CDC/RSM is working withTesoro High School Advisors to award two $1,000scholarships to deserving senior students. Theaward ceremony will take place at a Rotary meetingin late June and the winners will be publish in theJuly issue of the Coto Voice. Coto Rancho Rotary is a service club with mem-bers from diverse business, cultural, and ethnicbackgrounds. Members are business professionalsand philanthropists who live and/or work in CotoDe Caza, Rancho Santa Margarita, and LaderaRanch. The Club meets weekly for dinner anddrinks to share fellowship and to plan the manycommunity, international, and vocational serviceprojects.

ROTARY CLUB CDC/RSM to Award Two $1,000

Scholarships to Tesoro HighSchool Students

If this sounds like you,look here for informa-tion on membership.Rotary meets Thursdaynights at Coto de CazaGolf & Racquet Clubfrom 6:00 p.m. to 8:30p.m. For more informa-tion, please contact KenUpton at 949.253.5892or [email protected].


sick trees in the greenbelt, please notify Bree Douglasat Merit so we can see what action is necessary.

DO NOT cut down or trim trees in the green belt.You would be responsible for a replacement tree.

RESERVE FUNDWhen Progressive Property Management turnedover the books to Merit about three years ago, theydid not have current records of architectural deposits.Some $26,000 of this money was unclaimed for var-ious reasons, deposits were made, jobs not complet-ed, etc., etc. Deposits are forfeited after applicationhas been made and not completed after 20years. Wewill be transferring this $26,000 into our generalfund. If anyone can prove that they are entitled totheir deposit, we will handle it from our general fund.

SPRINKLER CONTROLYour water bill will be going up significantly accord-ing to the Santa Margarita Water District. We havehomeowners running streams down the streets. Thishas an adverse affect on our asphalt streets and yourwater bill. Our resident landscape expert says whenyou send water down the street, it�s because your soilcan�t use any more, and you are wasting your moneyand precious water in our drought years.

There is a good chance we may expect waterrationing in the near term. Watering your yard 5 to10 minutes 3-4 times a week should be ample.Please be a good neighbor and conserve.

WILDFIRE SEASONWell it�s here and will last pretty much the rest of theyear. We will be doing our annual discing in thegreenbelt area. be sure to trim your trees at least 6 to8 feet back from your home. There is a fire blockinggel you can purchase to protect your home and it�sbeen proven to be quite effective. There is a localcompany in RSM there number is 949.709.8808. thisis not an endorsement, but you may want to check itout.

LANDSCAPE COMMITTEEThe following �free volunteers� give their time andexpertise at least once a month to walk The Villageand review our landscape needs:� Bob Atkins - very knowledgeable of Village issues� Doug McCormick - always there to help you� Bill Arman - landscape expert/tree specialist

Take time to thank these Villagers. This is what beinga good neighbor is all about.

ARCHITECTURAL COMMITTEE� Laurie Roy - architect� Tamara Nazarian - volunteer

CITYHOOD?Acommittee of three Coto HOApresidents andactive members of the community serve on theCityhood Committee. The committee is investigatingthe benefits of forming a government entity to see ifit would provide better policing and other services.

The options are: (SCA) Community Service Area,(CSD) Community Service District, Annexation toRancho Santa Margarita, or do nothing and remainjust as we are.

There is pressure from �LAFCO�, a governmententity and the County of Orange to put Coto into acity, so the County does not have to pay for services.Please be advised our Board has made absolutely norecommendations. We are just there to participate indiscussions, observe and report to The Village home-owners.

TREE TRIM-UP TIMEEvery Spring, when the leaves come out, thosebranches that were bare start to droop. If you have atree on your property that hangs over the street anddoes not give a 15 ft. clearance, so high profile vehi-cles can pass under, you will be requested to cut itback to provide clearance. That includes any bushesthat may go past your street boundary line.

BUHO HOLEFor those of you that are not familiar with the BuhoHole, at the top of Buho Street on a heavily usedtrail, water erosion has created a deep crevice startingto cut into the trail. Very dangerous to horse riders,children and hikers. If allowed to continue to erode, itwould cut the trail off.

We received a bid to contain the erosion of approxi-mately $44,000.00 Yikes! Bob Atkins, ex-boardmember, donates so much of his time to helping TheVillage Board, came up with a very creative alterna-tive, which will cost about $8,000.00, saving yourHOAabout $36,000.00. When you see Bob, givehim a big thank you!

SPRING CLEAN-UPThe Village is a lot lighter. Over 5 large commercialdumpsters were filled up and now many homeown-ers can walk through their garage. We plan on doingit again next year. Yipee!

GREEN BELT TREESAs we have said previously, some of our green belttrees are failing. Many are over 30 years old, espe-cially the Aleppo Pines, which seem to be failing rap-idly. We will need to budget for replacement trees tokeep our Village beautiful. Should you see dead or

These volunteers serve as needed, review and giveinput into architectural planning.

GRATEFUL TO ANOTHER VOLUNTEERTom Patton, longtime resident of The Village, isbuilding a unique resting bench by the monument atthe top of Venado. Built from wagon wheels andwine barrel staves, it fits right in with the rusticVillage look. When you see Tom, give him a big�Thank You!�

NO OVERNIGHT PARKING ON STREETS OR GREENBELTSPlease use overflow parking lot on Via Ortega.

MEETING DATE CHANGETo accommodate two board members that areCoto/RSM Rotarians, the board meeting will be heldon the 2nd Wednesday of each month.

The next meeting will be at 7 p.m. on Wednesday,June 10th with homeowner open forum.

IMPORTANT CONTACTSCommunity Manager - Bree Douglas949.448.6020 � fax [email protected]/Compliance or Common Area -Melissa Badamain949.448.6113 � fax [email protected] Members

Ken Upton - PresidentGreg Perez - Vice PresidentMike Walker - SecretaryJim Stivers - TreasurerLes Krieger - Member at Large

www.cotodecazathevillage.orgCHP (traffic & parking)949.559.7888SHERIFF (noise & vandalism)949.770.6011

NEXT HOA MTG.7:00 p.m.June 10TH

Coto Valley Club23331 Via Venado, Coto de Caza.

THE VILLAGE ASSOCIATION NEWS

The News and Views of the Coto de Caza Community

CZ Master Association • The Village • The EstatesCOTO C.A.N.

Executive Publisher / Managing EditorPublisher: Coto Community Activities NetworkEditorial Staff: Deanna Vochelli & Kim MelsheimerAdvertising Sales: Andrea Owen Columnist: Janie O’Reilly - Janie’s Corner

Mike Ameel - From the TrenchesSyd Riccio - Financial Advisor

Coto Voice is a publication produced and published on behalf of the non-profitCoto Community Activities Network (Coto C.A.N.) All advertising proceeds are

used to further the development of community activities in Coto de Caza.COTO VOICE - 22431 Antonio Parkway, Suite B160-217

Rancho Santa Margarita, CA 92688 949.459.0619 • fax 949.459.0625

COTO VOICECOTO VOICEQUESTIONS?

ADVERTISINGINQUIRIES:

Andrea Owen949.525.5674

ARTICLE SUBMISSIONS:

Deanna [email protected]

EVENTS:Vochelli &Associates

949.459.0619


MANAGING YOUR INCOME DURINGRETIREMENT

By Sydney Riccio, Financial Advisor

Planning early todevelop an incomestrategy during retire-ment could help youachieve a stress-freeretirement.

Social SecuritySince 1935, socialsecurity was con-

ceived to alleviate poverty among the elderly.In 1935 the average mortality rate was 61.Social security benefits started at 65. Withmortality rates today ranging from 83 - 87,everyone counts on their social security bene-fits. Many future retirees know very littleabout optimizing their social security bene-fits. When is the best time to start takingbenefits? What about my spouse? Findingabout social security now can help you planfor an optimum retirement.

ANNUITIESAnnuities are a common source of incomeduring retirement. Employers may offer aretirement benefit in the form of an annuity,giving you a monthly benefit or allowing youto take a lump sum. Understanding the beststrategy for you may require the advice of afinancial professional.

Individuals can also purchase an annuityinsurance contract. Annuities have theiradvocates and critics. They can be a greatresource in retirement if well understood andused appropriately. In the last nine months,annuity sales have reached all-time highs.Annuity products are too diverse to do themjustice in this article. As in most insuranceproducts, what you are buying is risk protec-tion. Annuities provide risk protection foryour investment. Ask yourself, "Should I

have an annuity?"

TIME-SEGMENTED DISTRIBUTIONHaving a dependable income stream you con-trol is very important in retirement. Withsocial security, there is a cost of living featureto help offset the effects of inflation, but thegovernment has control over your benefit.With annuities, you can determine throughyour contract how you want to receive yourmoney. When distributions begin, they areusually fixed and may lose purchasing powerover time due to inflation. So how do youprotect against inflation and still have accessand control over your resources? A time-seg-mented distribution strategy can be an impor-tant component in creating an income streamduring retirement. Simply put, this strategyorganizes your investments into time cate-gories with varying risk exposure based onwhen they will be used. Resources to beused within the first 10 years are low risk toprotect your assets and provide dependableincome. Resources to be used later are invest-ed in higher performing investments to pro-tect your purchasing power over time.

WHAT WILLYOUR STRATEGYBE?Strategies for accu-mulating money forretirement, are verydifferent than strate-gies for distributingmoney during retire-ment. In retirementwe want dependableincome, flexibility,protection againstinflation, ability toreact to changing cir-

cumstances, tax management, and we wantour money to last as long as we do. We mayeven consider a post retirement occupation tosupplement our money and our sanity.

We help our clients create customized retire-ment strategies. Using our Reliability ofIncome tool, we can help tailor a unique solu-tion that meets your needs. Call to set up acomplimentary meeting to discuss youroptions.

Annuities are a long term investment designed for retire-ment purposes. Distributions are subject to income taxand, if take prior to age 591/2, a penalty may apply. Theannuity may be subject to lengthy surrender periods andearly withdrawals subject to surrender charges.Guarantees are backed by the claims paying ability for theissuing company. Sydney is a Coto resident, a life agent, afinancial advisor, and a certified college planning special-ist. Representatives of Securities America do not offer taxadvice. This article was written by Sydney Riccio. SydneyRiccio is a Registered Representative, and offers securitiesthrough Securities America, Inc. a RegisteredBroker/Dealer, member FINRA/SIPC. Advisory servicesoffered through Cooper McManus. Securities Americaand Cooper McManus are unaffiliated. Sydney holds CAInsurance License 0E01624. Sydney can be reached at800 516-5333x121. You can visit her website at www.syd-neyriccio.com.

COTO CLASSIFIED ADVERTISINGUNMATCHED LOS RANCHOSESTATE - 7 acre lot 6 bd/6 bath,approx. 9,000 sq. ft. w/10 cargarage. $11,900,000. Call MikeAmeel Team 949.233.2686.____________________________VIEW PROPERTY - 4 BD/3 BTH,3300 sq. ft. on golf course.$999,999. Call Bobbi Mezger589.0706.

-COTO HOMES-OAK KNOLL ESTATE REDUCED!5 BDRMS/5.5 BTH w/media room,pool, spa, outdoor kitchen w/TV$1,849,000. Call Mike Ameel Team949.233.2686.____________________________FAIRWAY OAKS - INVESTORSDREAM - 2 bd/2 bth, panoramicviews of golf course. $469,000 viewon mycoto.com. ____________________________HILLSBORO SHORT SALE4 BD/3.5 BTH large pool size lot.Needs TLC, great buy. $755,000____________________________NEED A LOAN? CALL TURTLEBAY FINANCE...949.412.4154

REMODELING? Call a homeowneradvocate, Chris 949.713.1854.____________________________ ELECTRICIAN. Lighting, ceilingfans, spa hook ups and more. Call949.291.5630.

WANT TO RUN A CLASSIFIEDAD? HERE’S HOW...Classified advertising rates are basedon a per line basis. Rates are $5 perline, a minimum of (3) three lines perad. Text can be emailed to [email protected] and is due by the 20th ofthe month, prior to publication.Advertising categories: Items for Sale,Services for Hire (minimum 3-mo.commitment), Want Ads, Real Estatefor Sale, Lease and Rent, Daycare,Employment, Want Ads,Miscellaneous, Pet Services, etc.For more information, please contactAndrea Owen at 949.525.5674 or viaemail: [email protected].

IN-HOME SERVICESFOR SALE

CONTRACTOR

HOME TUTORING. All Subjects.949-350-5335. ClarityLearning.net.____________________________IN-HOME PIANO INSTRUCTION15-years exp. Call Marsha949.559.7105____________________________HOUSE CLEANING SERVICECoto referrals available. See our adpg. 8. Call 949.459.6911____________________________PERSONAL ASSISTANT &CONCIERGE SERVICE At YourService 4 Seniors provide caringsafe assistance for a variety ofneeds 949-230-5720 [email protected]

Olivia's ClosetBoutique serves the"fashion-forward"...SouthernCalifornia-style. Ourhip and trendy clothingand accessories areoffered at below retailpricing.

Give us a call or sendus an email as weinvite you to one of themost unique shoppingexperiences.Remember, we offer private shopping byappointment, as well as intimate showings atprivate parties and fundraising events. Checkour web site for new arrivals.

For more information, email Doni Orsini [email protected] or via phoneat 949.677.3046.


FROM THE TRENCHESby Mike Ameel - Top Selling Real Estate Broker

BIZZ BUZZCOTO RESIDENTS ON THE MOVE

Welcome to Olivia’s Closet Boutique, featur-ing trendy, hip and everything fashionable inwomen’s clothing --the latest denim fashionsby designers such as; MissMe, Hudsons,Plastic. and more, plus designer tops, dressesand accessories at affordable prices.

Established in 2006, Olivia’s Closet Boutiquehas been recognized as one of the finestdesigner boutiques in Southern California.Now ladies of all ages can take advantage of

unique piecesat belowretail pricing.

Founder,Doni Orsini’spassion forshoppingbecame aquest to helpher friendsfind greatstyles at agreat value.This led herto take herpassion astep furtherby opening aboutique tohelp womenof all ages.

Olivia's Closet Boutique offers two greatways to shop...by appointment or privateshowings at parties. So call us today to bookyour in-home party or event or schedule atime to enjoy a private appointment in ourshowroom.

At Olivia’s Closet Boutique, elegance andstyle can be affordable.

ACCORDIONMARKETS!

How do you explainthe impacts to com-petitive products thatoccur due to thefluctuation and orchanges invalues/pricing with-in a givenmarket...AccordionMarkets!! That's it!

My simple way ofexpressing how a sale within your tract can affectyour home and the sales within your tract can affectother tracts etc., etc. You've seen the movies withthe guy playing the accordion and having a jolly oldtime doing it. As he plays his instrument the pres-sure that he exerts, external pressure i.e. the govern-ment or the Fed etc., causes changes within theinstrument. The pressures within the instrument, i.e.the price of products such as your home rise andfall. As these prices change they exert pressure onother homes, tracts etc. by their expansion and con-traction. In real estate he certainly would be play-ing a very s l o w number...but nevertheless it is a

way of demonstrating how a reduction of homeprices in one area can create a vacuum and causehigher priced homes to fall as a result to fill thevoid, only to be pushed back up at a later time.

Our markets have been experiencing a phase ofcontraction with higher priced properties falling andpushing lower priced homes down as aresult....Why would you buy a home of lesser quali-ty if one with greater quality and amenities could bebought for a similar price?

This also brings to mind the issue of premiums andthe role they play in the markets. At this momentpremiums for locations, amenities, views and etc.are being bought at huge discounts from their boomphase. As an example a view premium for somehomes may have been as much as $250,000 ormore at one time and are going for probably half ofthat at this time. Its easy to see why the best proper-ties, i.e. the homes with these premiums sell first ina market such as we are experiencing as they areattractive for these discounted premiums amongother things.

The market has improved somewhat as the lowerend home sales have enabled some homeowners tomove up in the market. We still have a long way to

go before we can say a recovery is underway how-ever. As I said in last months article the move upbuyers are still limited in equity, i.e. the need for25% down for median purchases in Coto de Cazaand also qualification purposes. Financing is thenumber one problem at this time along with thenew tightened appraisal legislation. No longer canyour mortgage broker hire his buddy who is anappraiser, take him out to dinner and get yourappraisal to come in on the money! The fundingbank will be ordering the appraisal, probably some-one from out of the area and not at all familiar withyour home or area to do your appraisal. Don'texpect any sympathy, as it will become extremelydifficult to get appraisers to acknowledge higherprices any time soon!

I'd like to welcome my new Granddaughter born onour 32nd anniversary last week Keira Maria Said, 7lbs, 15oz, beautiful perfect babygirl! Until next month...

Mike Ameel is a top selling real estate brokerspecializing in Coto de Caza and the sur-rounding communities. You can reach Mikeat 949-233-2686 or via e-mail at:[email protected], or visit mycoto.com.

c coottoo vvooiiccee - lionsheartsouth patrol either served in the united states armed forces or are...

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