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

Premier Concrete
puts a stamp on outdoor living
See pg. 4

Keeping your home safe What dog is right for you? 5 home-buying mistakes

A Gold Country Media Publication

1130PTL002 11/21/2011 1:18 PM Page 2

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

FALL / WINTER 2011/2012

Editor Michelle Carl 916-774-7955 michellec@goldcountrymedia.com Advertising director Suzanne Stevenson 916-774-7921 suzannes@goldcountrymedia.com Design Paul Cambra paulc@goldcountrymedia.com Creative services manager Sue Morin susanm@goldcountrymedia.com Contributors Tinka Davi, Margaret Snider, Toby Lewis, Eileen Wilson, Laura OBrien Photography Anne Stokes, Philip Wood


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

Todays Home Living is owned and published by the Roseville Press Tribune and Gold Country Media. Copyright 2011. All rights reserved. No part of this publication may be reproduced without written permission of the publisher.

Bringing home puppy

Tips on finding the perfect four-legged member of your family.

ALSO IN THE ISSUE: Homebuying tips Home renovations 10 15 16 20

Head of the class

Find out why south Placer County schools are tops.
188 Cirby Way, Roseville, California 95678 www.rosevillept.com The Roseville Press Tribune is a Gold Country Media publication


10 favorite museums
Discover local history at these intriguing sites.


Finance Winter chili recipe

Premier Concrete can transform your outdoor living space with decorative concrete work and artisan colors and stamping techniques. See page 4 for full story.

Todays Home Living 2011

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

Walkways to remember
Premier cements reputation with customer service, decorative work
remier Concrete, Inc. has been owned and run by Frank and Andrea Florez since 2003 and based in Rocklin for seven years. Most important to the couple is customer service. Frank is a hands-on owner, Andrea said. He is on every job Hes constantly out there making sure that everything is done exactly the way its supposed to be. Long-term customers Joe and Karen Herman of Fair Oaks have something to say about that. The thing that really sold me on using Premier for all my needs was that they did some cement work in the winter and unfortunately there was an unexpected rain that evening, Joe Herman said. Hes not There was a little bit satisfied if its of an imperfection in job, and I just a good job, the cementpretty OK was really with it. It wasnt his he wants an fault, it was nature, excellent job and it was very minor. done and it Nevertheless really shows in Frank Florez was not satisfied and came the kind of back the next week work that he with jackhammers and completely redoes. did the job. Joe Herman, Fair Oaks 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 said. Frank began acquiring his landscaping and concrete knowledge some time ago working with a neighbor in Fair Oaks who taught him the business. He has been a contractor since 2003. Weve been married 13 years, Andrea said. We started the business together; its grown a lot and we really enjoy it. We help each other out on both ends. They do a lot of custom work and have been able to weather the current economy with their versatility and customer service, ANNE STOKES GOLD COUNTRY NEWS SERVICE and also by keeping up with modern trends in concrete, which have changed The Florez family of Premier Concrete: Isabella, 10, Vicente, 8, Lorenzo, 6, Andrea some over the years. Florez and Frank Florez.


Todays Home Living 2011

1130PTL005 11/16/2011 9:48 AM Page 5

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

A 300-square-foot walkway meanders to the front door of a home in Rocklin. Premier Concrete used a Flora stain with a lacquer-based gloss which supplies a wet look in all weather. They also did a seal and stain on the existing concrete of the driveway and entry.


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

This patio at a residence in Lincoln is made of stamped concrete with a lacquer-based seal to give it the glossy look, which also highlights the design of the stamp well. Premier Concrete used the pattern called Roman Slate for this stamp.

Premier Concrete made this patio of colored concrete, which runs nearly the full length of this home in Walnut Creek. The name of the stamp texture is Granite.

continued from page 4 One of the companys current jobs is for Earlier when we started out we didnt do as much decorative, Andrea said. Ralph Laird in Rocklin. Its primarily hardscape, Laird said. A Now almost everything is decorative. Though the work is challenging, it is also lot of concrete and stamped concrete for a satisfying. Frank doesnt have favorite couple different tiers of patio space plus some bench walls and planter space and types of jobs, he likes it all. (I like) the finish, the satisfaction of the that includes a water feature. Laird chose Premier after some deliberclient, you know, Frank said. When they come home in the different stages of the ation. I spoke to a number of contractors and job, how excited they get. Thats pretty various people that might be involved in rewarding. the project, Laird said. I The company does a lot of considered possibly doing it work in Placer County and myself After considering Frank belongs to the Placer PREMIER CONCRETE, everything I decided on PreCounty Contractors Associ- INC. mier Concrete because I like ation. About 65 percent of Who: Frank and Andrea Frank and he had a very their business, Andrea said, Florez competitive bid. He had a comes from referrals with Phone: (916) 435-8298; (916) 541-2297 (mobile) nice portfolio of work the rest due to advertising. behind him and I felt confiMore distant jobs often E-mail: Info@rocklin concrete.com dent to proceed with him. come by word of mouth. Website: www.premier Premier Concrete has a People come down to see concrete.org number of suppliers that their relatives, Andrea said. they rely on. Relatives and family memOur cement comes from Folsom Ready bers will see the work, and then they want the same thing or something similar back Mix, Frank said. Its one of the best cement companies around town, the best on their own property. Frank does a lot of the design himself, cement quality I dont mind paying a looking at the yard, talking with the cus- little bit more if its a lot better. They also work with A&A Stepping tomers on what theyre looking for. I just start asking questions and see Stone out of Newcastle, Rocklin, and Citwhat they want, Frank said. It just rus Heights; Hasties Capitol Sand and depends on what they want to use it for Gravel; Spec West Concrete Systems, SCP and then I give them a design, or give (South Central Pool), and LOJO for their website design. them an idea.

CONCRETE: Cement comes from Folsom

Todays Home Living 2011

1130PTL007 11/16/2011 9:56 AM Page 7

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

New home construction continues in region I


n the midst of a volatile real estate market, some new home construction projects are still moving forward in Granite Bay and Roseville. Premier Homes, who recently partnered with Canadian firm United Communities to form Premier United Communities, is working on a project for several single family homes in West Colonial Estates, near South Cirby Way and Old Auburn Road. Most local builders just kind of died on the line the last couple of years, said John Stewart, president of Premier United. One of the ways that we were able to hang in there was to partner with some outside investors. The current project is a subdivision of 17 homes that was purchased from the city of Roseville in 2006 by another developer, who was unable to finish the project because of the downturn in the housing market, Stewart said. Premier United purchased the property in 2009. Were finding that there is still a market for new homes in certain locations, Stewart said. The market is still in a bad spot, but it is an incredible time to buy a house. According to the Placer County Association of Realtors, the number of closed escrows in Placer County from January through September rose 12.5 percent over that same period in 2010. The dollar volume of closed escrows through September of this year was $2.2 billion, a 4.9 percent increase over last year. Kevin Carson, president of the New Home Company in Roseville, said the market for new homes in Granite Bay is stronger than in surrounding communities mainly because there is not a large inventory of new homes in that area. The New Home Company is currently building 17 semi-custom homes on Cavitt-Stallman Road near Douglas Boulevard in Granite Bay, the first five of which have already sold. It is very gratifying to see whats happening there, Carson said. There is lots of activity, lots of people interested and excited about whats going on. Stewart admits that the state of the current housing market still looks pretty grim, and that the market for new homes is smaller than for resale homes. The whole market has obviously taken a hit, no question about that, Stewart said. Its been a very difficult couple of


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

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 of the outer brickings of a new home being built on West Colonial Parkway.
years for builders, and a lot of them have just gone away and given up. Real estate broker Debbie Davis, of Remax Gold, said she believes the market is much stronger for resale homes than new homes and a good amount of her clients feel new home builders are not realistic with pricing. Davis, who conducts the bulk of her work in the Roseville and Granite Bay area, believes there is a misrepresentation in 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 short sales, Davis said. Value-wise, yes, the market is down. But Im busier this year than I have been in the last three years. Still, Stewart says he expects the homes in the West Colonial Estates project to sell quickly, the first two of which will be finished by the end of the year. He said new energy efficiency requirements mandated by the state of California make the cost of owning and operating a new home much less over time, which is attractive to buyers. What you can get for the money for a house right now is pretty incredible, Stewart said. If you want to live on the east side of Interstate 80, you dont have many options in a new home.
Toby Lewis can be reached at tobyl@goldcountry media.com. Follow him on Twitter @TobyLewis_RsvPT.

Todays Home Living 2011

1130PTL009 11/16/2011 9:54 AM Page 9

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

Buying a home? Try to avoid these common mistakes

he process of buying a home can be an emotional roller coaster ride, with feelings of excitement mixed in with exhaustion, fear and uncertainty. Over the last several years, the real estate market has been turned upside down, and many prospective buyers have begun to question some of the conventional wisdom associated with buying a home. While such skepticism might be a healthy attitude in the current market, prospective buyers particularly those who have never purchased a home before should avoid the following mistakes that buyers make regardless of whether the market is up or down.
1. Failure to get qualified first.

proved for a loan, dont take any steps that might put that approval in jeopardy, like drastically alter your credit score.
2. Being blindsided by additional costs.

First-time homebuyers often experience some sticker shock when the additional expenses associated with home ownership arise. Expenses like property tax and insurance costs and can be substantial. Even those buying a condominium or co-op should expect monthly maintenance fees.
3. Shooting for the moon.

the things that are most important to them. Many of todays buyers are reticent to commit to a home, and might compromise with a condo or co-op. But if a home is what you really want, and another living situation that mirrors apartment life is going to make you miserable, dont settle for that situation for the sake of security. Doing so could cost you financially, especially when you realize the situation isnt what youd hoped for and look to sell earlier than is ideal.
5. Skimping on the cost of an inspector.

Mortgage qualification is essential when buying a home, as it gives buyers preapproval for a loan before they make any offers. Making an offer on a home before you know what the bank is willing to lend you is a waste of time for everyone involved. Some agents will not show a home if you dont have a preapproval. Once preap-

First-time and even veteran homebuyers must avoid shooting for the moon when it comes to buying a home, and instead only buy one they know they can afford. What the bank says you can afford isnt always the same as what you know you can afford. Only buy a home you know you can afford, regardless of whether the bank has approved you for a larger loan.
4. Pigeonholing yourself.

Just like buyers shouldnt go overboard, they also must avoid compromising on

An inspector is your last chance to find out if a home is your dream home or a money pit. Even if a house appears to be everything you want, dont close on the sale until the house has been thoroughly inspected. The old adage that advises against judging a book by its cover certainly applies to buying a home, and prospective buyers should enlist the services of a qualified inspector before closing on the sale of a home.
~ Metro Editorial Services

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

South Placer schools earn an A+


hile some move to South Placer County for jobs, proximity to the Bay Area, or myriad recreation opportunities, many make the move specifically for the schools. And why shouldnt they? With some of the top-ranked school districts in the state, south Placer schools satisfy both kids and parents with high Academic Performance Index scores and fun and enriching curriculum. Parents are making the decision to move here before their kids even begin school, said Dave Johnson, president of Placer County Association of Realtors. For families with kids, the schools are so important. The schools here are definitely a draw, and its wonderful to say that we really dont have any school districts that are bad. Johnson credits smaller schools (compared to Bay Area and Southern California schools), involved families and quality teachers as some of the reasons the schools are superior. I get questions about the API scores all the time; usually its the moms who are really 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 appointment with the principal, and check it out. Dont be afraid to audition the school, he said. You should never feel uncomfortable visiting a campus. Ive never known a school to not be welcoming. Placer County Schools Superintendent Gayle Garbolino-Mojica agrees that schools are an important factor in purchasing a home, and south Placer has some of the best. If the school isnt the number-one reason someone buys a house, its definitely the number-two reason, she said. When people ask me which school district is the best, I say move anywhere in South Placer all the schools are excellent. Garbolino-Mojica states that many factors make a quality school quality teachers, high achievement and a variety of programs and classes. We have very high performing schools, and a very qualified, talented workforce, she said. The API numbers prove that Roseville and Granite Bay have some of the strongest schools in the region.


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

Lexi Harrington records blood splatter findings in her forensics class at Cavitt Junior High School. The exercise is part of the STEM elective, which teaches science and math in a hands-on way. STEM is one of the many programs that make south Placer schools attractive for kids and parents.
Eureka Union School district has the highest API scores, on average, in the region, a fact that Doctor Heidi Williams, assistant superintendent of curriculum and instruction, said is due, in large part, to the enrichment programs and rigorous academic instruction that EUSD staff provides. Were probably luckier than most because many of our enrichment programs have continued due to support from the Eureka Schools Foundation in the face of budget cuts, Williams said. We still offer music in fourth through sixth grades, and band and choir as electives at the junior high schools. In addition, the district offers Spanish

Todays Home Living 2011


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to program robots

STEM: Students learn

continued from page 11 enrichment before and after school, teaching up to 400 children each year, and a host of 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 district, and the feedback we get from the high school agrees with that, Williams said. We want to provide electives, like the STEM Elective at Cavitt (Junior High School), that is challenging and gives students the opportunity to apply the skills in a real-life setting. The STEM Elective, short for Science, Technology, Engineering and Mathematics, teaches students robotics, which includes programming robots to perform increasingly complex tasks, engineering, where students create structures that will withstand extreme force, and forensics all designed to increase math and science skills, in a fun, hands-on way. The content of these electives are so engaging that they are really attractive to kids, Williams said. Roseville has a high number of high performing schools, as well. The Dry Creek Joint Elementary District has an average 864 API score, and Roseville City Elementary District has an average of 872. Garbolino-Mojica explained that area schools offer quality programs that will appeal to a wide variety of students. The schools have creative programs to help at-risk, struggling students, and creative gifted programs, as well, she said. We place a high priority on staff development, and the API scores, our state accountability measurement, is high. 800 is the goal to reach, and 95 out of 110 schools in the county are over 800. Many area schools receive additional recognitions as well. Silverado Middle School in the Dry Creek District has received the Schools to Watch recognition numerous times in recent years. The Schools to Watch program recognizes only a handful of middle-grade schools throughout the state each year for academic excellence, responsiveness to the needs and interests of young adolescents, and commitment to helping all students achieve at high levels. Quail Glen Elementary in the Dry Creek District, was named a California Distinguished School, a designation for Californias exemplary and inspiring public schools, which demonstrate significant gains in narrowing the achievement gap.


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


Todays Home Living 2011

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


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

Is the timing right to get a puppy?



our kids are begging you for a dog. You secretly want one, too. But before falling in love with a new canine, Placer SPCA CEO Leilani Vierra suggests researching dog breeds to find a good match for your familys lifestyle. Its also important to consider a dogs age. Families that are a poor fit for a puppy might enjoy an older dog requiring minimal training. When a family is looking for the right pet for them, were able to help guide them, Vierra said. There are plenty of dogs to choose from at the Placer SPCA, which receives 3,600 to 4,000 animals per year. The Placer SPCA operates two pet adoption centers, one in Roseville and one in Auburn. Lindsay Simpkins said her family couldnt be happier with the puppy they adopted from SPCA earlier this year. They knew they wanted to adopt a dog

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.
from a shelter. The family was heartbroken when the dog they bought from what they now believe was an irresponsible breeder died at only 2 years old due to neurological problems. We vowed never to buy another dog after the experience that we had with our pug, Simpkins said. Her family made several trips to the SPCA before selecting a 4-month-old black Lab that wasnt ready for adoption yet.

He was really little and he was very emaciated, Simpkins said. You could see all the bones in his back and his ribs showed. I believe he was a stray for a while. SPCA picked him up, which was great. The family was attracted to the dogs good disposition and begged staff to allow them to adopt him. After the dog underwent neutering surgery and none of the families on the waiting list for black Labs expressed interest in him, the Simpkins family was free to bring home Jack. Lindsay Simpkins said she believes he is a Lab and German shepherd mix. I think his shepherd part and his Lab part contribute to how he learns, she said. We tell him to do his business and then his big business and he does it right away. Families often consider breed traits such as intelligence, size and coat length when selecting a dog, but they also should

Todays Home Living 2011


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

BREED: Get to know the personality of your potential new pet

continued from page 13 consider how a dog breeds characteristics match their lifestyle, Vierra said. Jack Russell terriers are popular because they are good companions, compact and short-haired, but owners need to have the time to satisfy their high-exercise needs, she said. Pugs, too, are sought-after for their even dispositions, but due to their short noses they have difficulty breathing and do not make good running partners. Along with a dogs breed, Vierra said adoptive families need to remember to get to know the individual personality of their new Fido. A dog also needs to be looked at as an individual, she said. Just like a baby, each puppy is unique. Its temperament evolves as it gets older. The dog could act differently from the generally expected behavior for its breed. The age of a dog is another major factor in determining if its a good fit for a family. Younger dogs often wind up at SPCA due to owners misjudging the amount of work and care involved in raising them, Vierra said. We know that (a surrendered puppy) is quite lovely otherwise, she said. All it requires is the investment of training. After their pug died, the Simpkins family became volunteer puppy raisers for Guide Dogs for the Blind. The education they received through the program prepared them for training Jack. Its like having another child, Simpkins said. (Puppies) require 24-hour care. The family has trained Jack to stay in a crate, but when he was younger, and Simpkins needed to be away from the home, she hired a dog-sitter. SPCA starts a training program for all dogs that come in to the shelter.


Dont rush out and get a puppy just yet. A small mammal, adult cat or adult dog may be a better fit if you have experienced or expect to experience more than three of the following life events in a year. (If you can tick off more than seven, you probably should wait a while before getting a pet.) Divorce or end of relationship, marriage, change in living situation, move to new residence, pregnancy or new baby, increased work hours or responsibility, financial stress, children moving into or out of the home, caretaking for ill or elderly family member, change of family routine, death of family member, death or disappearance of pet, relinquishment of pet, health problem of family member, change in family members work status, frequent travel, limited leisure time, school graduation, disagreement among family members about adopting a pet

Source: Denver Dumb Friends League and Humane Society of the U.S.

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

First, staff assesses each dogs behavior, including how they handle other dogs and cats. We start working on the behavior needs and transfer that information to the potential adopter, Vierra said. All the information the shelter receives about a surrendered dog is attached to its

crate along with its behavior assessment. Vierra said SPCA does not place overly aggressive dogs for adoption. Dogs requiring more physical activity are labeled as such. SPCA trains dogs to walk on a leash, stay in a crate and obey simple commands. Trainers keep more-active dogs busy by engaging them in agility tricks that stimulate both their brains and their bodies. Simpkins said families should spend time with their potential new best friend before taking him home. The animals let you know pretty much what their disposition is and what their energy is like, she said. Vierra said families seeking more information about dog breeds and their training needs should seek referrals from veterinarians and larger animal welfare organizations, such as SPCA. SPCA staff includes experts on animal health and behavior as well as educators who can teach children and other interested groups about the responsibilities involved in owning a pet.


Todays Home Living 2011

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

Follow the 3 Ps of home renovation

homeowners possession in order for a certificate of occupancy to be issued to the new buyer. Failure to have permits can hold up the process or result in fines.

very home project begins with an idea and ends with the culmination of the job. In between, there are three main components of an improvement project that can mean the difference between success and frustration: Planning, permits and protection.

There are a number of things that can be on hand to make a work environment safer. These include: Eye protection: This is especially important when working with flying debris, cutting items, mixing caustic chemicals, etc. Respirator or face mask: Cover the nose or mouth when there is dust or debris in the air that can enter the lungs. When working with toxic fumes, such as when using spray paints or chemical lubricants, a respirator can offer clean air. Boots: Proper footwear ensures protection should an item fall on the foot or when walking where nails or other sharp items are located. Fire extinguisher: A fire extinguisher should be nearby in the event of a mishap. First aid kit: An abrasion or cut may occur, requiring prompt care. Gloves: When the hands need to be protected or extra traction on surfaces is required, gloves can be a necessity. Headphones: Safety headphones can protect the ears against loud, consistent noises from power equipment and tools. Locks: A locked cabinet can store tools, paints, chemicals, and other improvement supplies so that young children or pets wont have access. When homeowners take the time to plan, obtain permits, and secure the needed protection for a job, they help ensure a safer job that is done correctly.
~ Metro Editorial Services

Many people find it helpful to write out plans and draw up the concept on paper. This doesnt require expensive architectural software. A simple piece of graph paper plotted with measurements and a sketch is often sufficient for small projects. If the job will be expansive and require an architect or engineer, he or she will often provide a technical drawing. If the project focuses more on decorating some find it helpful to create a design board, where fabric swatches, paint color samples, pictures of furniture and accessories, and any other components of the room are put together. Having a design board enables the homeowner to go to the store with the board and match up items. Another part of the planning stage is establishing a budget and determining the projects financing. It can be helpful to make a list of all income and expenses and find out how much funding is left over for a project. When getting estimates on the work, whether it will be done by a contractor or a DIY project, the homeowner should then make a list of approximate costs (rounding up) and then compare it against the available funds.

Make sure to use protection when working on home renovation projects.

Many projects, especially those involving building, demolition, electrical work, or mold remediation, require permits. The purpose of permits and subsequent inspections is often questioned by homeowners looking to circumvent the system. However, building permits are required to ensure public safety, health and welfare as they are affected by building construction, structural strength, zoning, and code requirements. In essence, building permits are how the government regulates safety and protects both current and future residents of the property. In many cases, homeowners will need to visit the municipal building in their respective towns and apply for a permit. Oftentimes, there is a waiting period during which the projects legality and safety is examined. Once approved, the applicant will be able to file for the actual per-

mit(s). There is usually a fee or fees for permit application. Work should not begin until a permit is received, and then the permit generally has to be placed in plain sight, such as in a window of the building. Depending on building codes, inspections of the work may need to take place after all of the project is completed or during certain phases. For example, the building of a deck may require inspections after footings are installed and secured, and before the upper portions of the decking materials are attached. If an inspection takes place afterward, the inspector will be looking for key code issues to determine whether the work was completed successfully. If a contractor was used, he or she may have to be present at the time of the inspection. If the work passes, an approval will be given and put on record. If the work fails, applicable repairs will have to be made and a re-inspection will be scheduled. Should a home be put on the market, all permits may need to be on file or in the

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Preparing for turbulence

ecent volatility in the global markets may cause even the most seasoned investors to feel shaken up. But, according to Edward Jones, short-term market turbulence can serve as a reminder that like flying, investing is not always a smooth ride. Its natural to feel nervous when your investments look like theyre losing altitude, but its important to stay the course, said Adam F Chervenak, an Edward Jones financial adviser in Roseville. The best response to market fluctuations is to keep your emotions and your investment strategy steady. Chervenak offers some perspective on how to keep white knuckles at bay:

While investors cannot predict future market instability, they can prepare, says local Edward Jones financial adviser

dipped by 5 percent on average 3.4 times a year. Bigger drops occur less frequently, with corrections once a year, and bear markets every 3.5 years. Volatility happens regularly and is no reason to sell a quality investment.

goal of retiring at a specific age or providing for your childs education.

Take the long view

Some passengers react to turbulence better than others. Some ignore it, and others simply sleep through it. Successful long-term investors take the same approach to volatility, focusing on their longterm plans instead of day-to-day fluctuations. A solid financial strat- Adam F Chervenak egy is key to riding out these short-term ups and downs, says Chervenak. You can make small adjustments along the way, but unless you experience a significant life change, its essential not to veer off course.
For more information about Edward Jones, contact Adam F Chervenak, Edward Jones in Roseville, located at 1805 Cirby Way Ste 7, (916) 791-7865.

Fasten seatbelt, not parachute

Bailing out at 30,000 feet isnt the best reaction to turbulence. Similarly, some investors might react by jumping in and out of the market, which can significantly impact investment performance. Historically, the best days often follow the worst days. While no one can predict the future, getting out after the drops may mean missing any potential recoveries.

Destination determines travel

If youre traveling from the east coast to the west coast, turbulence shouldnt cause you to land in the midwest and walk the rest of the way. Switching to the relative stability of a short-term investment can place your long-term goals at risk. Volatility in the markets should not change your

Turbulence is normal
Stock market declines are a normal part of investing. According to recent research, the Dow Jones Industrial Average has

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here are numerous, simple projects at homeowners fingertips that can conserve energy in a home and keep money in the bank. Although windows, doors and siding are the biggest opportunities to conserve energy and reduce costs, not every project has to be a major one. When it comes to improving energy efficiency, every little bit helps. Using the right products helps to ensure that projects are done correctly and withstand the test of time. Below are a few easy weekend projects to get any house ready for the winter.

Save on your winter heating costs

A heavy-duty adhesive, such as Gorilla Epoxy, can be used to install a rubber threshold underneath your garage door, to keep the cold at bay.

Garage door
Garage doors are usually the single largest entry point into a home and are rarely insulated, leaving a large area where air can seep in. Rubber thresholds, found at any hardware store, can be easily and quickly installed underneath the garage door to help keep the cold at bay. Since most garage doors are aluminum, it is best to use a two-part epoxy like Gorilla Epoxy to secure these two different materials together. Epoxy fills any surface gaps, creating a lasting, water-resistant bond. The pressure and weight of the door then helps seal the garage when the door is closed. A similar type of seal can be made with a rubber gasket on exterior doors as well. By creating a tighter seal on this entry door, cold air is prevented from getting in and the warm air from getting out.


Address those leaks before it's too late. Cold air that enters the home through such leaks, creates drafts that are costly as the homeowner turns up the thermostat to get rid of the chill. Before winter arrives, seal any existing drafts around windows and doors, using caulk or weather-proof tape. Replace old appliances. Older appliances might not work as efficiently as they once did, requiring more energy and fuel to get the job done, and causing a spike in utility costs along the way. Consider renewable energy heating appliances. Today's solar and biomass/wood heating appliances are a far cry from those available as recently as three years ago.
~ Metro Editorial Services

Flexible foam with a split-sleeve, purchased from any hardware store, will slip right over the pipes and can be easily secured with Gorilla Tape. This heavy duty tape contains twice the adhesive as most duct tapes and outperforms standard duct tape in these tough situations. Either wrap tape around the insulating foam or run the entire length to seal the seam. Even areas where freezing does not pose a threat can benefit by keeping the pipes a more consistent temperature, and preventing costly drywall leaks caused by pipe condensation.

Attic insulation
Attics, even when insulated, are a major source of lost heat. However, most homeowners forget to complete their insulation project by insulating the access door to the attic. For this project, it is best to use rigid foam insulation with a radiant barrier. Cut the insulation board to the doors dimensions. (It is best to cut the piece a tad smaller than the doors exact size to ensure that it does not interfere with hinges or where the door seats into place.) Once cut, affix the insulation board using polyurethane glue. Gorilla Glue is one of the only adhesives that can glue foam to a wood or metal attic door without melting the foam. Also, remember to wet one surface prior to gluing and clamp the project by weighting it down with some heavy items. This polyurethane glue expands into the surface of the insulation and creates a tight bond ensuring the insulation will stay in place for the life of the home. All of these winterizing projects are easy, quick, and can be completed within a weekend. Armed with a few supplies from the local hardware store, energy and heat savings are just a few moments away.
~ Metro Editorial Services

Frozen pipes
When the weather dips below freezing, there is a good chance that copper pipes will freeze. This is a potentially messy and

costly issue that can be easily prevented. While it might be harder to get to the pipes behind the walls, exposed pipes in the basement can be wrapped without difficulty.


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Nothing warms you up like a bowl of this winter staple

Few foods fit a season as well as chili fits winter. As the dead of winter looms large, foodies know full well nothing can warm the body up better than a bowl of chili. Photographer Frankie Frankeny, who along with Leslie Jonath coauthored Soups On: Soul Satisfying Recipes from Your Favorite Cookbook Authors and Chefs, (Chronicle Books), knows full well the value of a hot bowl of chili on a cold winters day. Frankenys parents have enjoyed the following recipe for Texas Chili Soup, which Frankeny shares in her cookbook, for years on some of east Texas coldest days.
~ Metro Editorial Services

Feeling Chili?

Try this Texas Chili Soup the next time winter puts the chill on you.


INGREDIENTS: 2 tablespoons unsalted butter 1 cup chopped onion 4 teaspoons minced garlic 1 pound ground pork 1 pound ground beef or turkey 2 cans (29 ounces each) diced tomatoes 3 cans (15 to 16 ounces each) pinto beans, drained and rinsed 1 quart beef or chicken stock 4 stalks celery, chopped 2 tablespoons chili powder 1 tablespoon red pepper flakes 1 teaspoon cayenne pepper 1 teaspoon salt Shredded cheddar and Monterey Jack cheeses, for garnish 2 green onions, chopped 8 ounces sour cream DIRECTIONS: In a large pot, warm the butter over low heat and saute the onion and garlic until golden. Add the ground pork and beef and cook until browned. Drain off half of the fat. Add the tomatoes, beans, stock, celery, chili powder, pepper flakes, cayenne, and salt and simmer until the flavors meld, 30 minutes to 1 hour. Serve in bowls sprinkled with cheese, chopped green onions, and a dollop of sour cream. Serves 6


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Must-see museums in Placer County


hoosing the 10 best museums in Placer County is a challenge, especially for Melanie Barton, Placer County Museums administrator. Its hard to say which ones are the top 10, she said. Id nominate all 18 museums that are in the area. Barton admits to a prejudice. Her favorites are those she oversees plus the Maidu Museum. Nevertheless, here are her picks for the top eight must-see museums, plus a couple more that are interesting. Oh, and if you cant figure out which one to visit first, create a game for the family. Cut out the list of museums, toss each name into a basket or cookie tin, and then have the youngest member of the family draw one each weekend you plan to go on an 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 hours are subject to change.

Gallery which provides an overview of Placer County history with a depiction of a Nisenan Indian family. In the foyer is the Pate Collection of Native American art, a collection that contains artifacts from California, the Southwest, the Northwest Coast, Alaska and the Eastern U.S. The sheriffs office has been restored to recreate the early days of the courthouse. A Gold Collection is in a vault inside the former treasurers office.

2. Maidu Museum & Historic Site


Joanie Maxwell, looks out from the old jail cell at the Placer County Museum at the Auburn Historic Courthouse.

1970 Johnson Ranch Drive, Roseville. Open Monday-Saturday. Admission: $4.50 adults, $4 children and seniors, $16 family of four, $2 from 2-4 p.m. Tuesday-Friday, free museum days Dec. 20-22.

1. Placer County Museum

Located on the first floor of Auburns Historic Courthouse, 101 Maple St. Open daily. Free admission.

The first floor of the building originally housed the county jail as well as the offices of the sheriff, treasurer and county clerk. In the former jail is the Museum

The cultural and material life of the Maidu people is told in this museum, which displays tools made by the Native Californians, baskets, toys, games, petroglyphs and grinding holes. The trail is beautiful at this time of year, said Mark Murphy, Maidu Museum interim senior supervisor.

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continued from page 21
Upcoming events include a Holiday Indian Arts and Crafts Fair, 9 a.m.-1 p.m. Dec. 3. Seaweed, Salmon and Manzanita Cider, an exhibit of foods gathered and prepared by Indian tribes, opens Jan. 3, with a special opening reception and native food tasting Jan. 21.

3. Bernhard Museum Complex

291 Auburn-Folsom Road, Auburn. Open Tuesdays through Sundays. Admission: free.

This Victorian-era house was built in 1851 as the Travelers Rest Hotel and is one of Auburns oldest buildings. The complex includes the residence, wine storage and wine processing buildings and barn. A commercial winery is located on the ground floor of the wine storage building.

4. Gold Country Museum

1273 High St., Gold Country Fairgrounds, Auburn. Open Tuesdays-Sundays. Admission: free.


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

Housed in a historic Works Progress Administration (WPA) building, this museum interprets the countys Gold Rush history. The tour includes a hard rock mine, stamp mill and assayers office where gold was processed. A miners cabin and mining camp saloon are part of the exhibit. For $3, visitors can pan for gold.

6. Western Ski Sports Museum

Next to Boreal Ski Resort, on I-80. Open Friday-Sunday during ski season, by appointment during off-season. Admission: free.

stable/blacksmith shop and original Foresthill Jail.

8. Golden Drift Museum

32820 Main St., Dutch Flat. Open Memorial Day through Labor Day. Admission: free.

5. Roseville Telephone Museum

106 Vernon St., Roseville. (916) 786-7621. Tours by reservation only.

Telephone history, presented by SureWest, includes an extensive collection of antique telephones and memorabilia. The four-gallery exhibit features displays of original telephones designed by Alexander Graham Bell, early switchboards, candlestick and wooden wall telephones and telephone booths.

Exhibition of Western North America skiing that began with the Gold Rush in 1849 when miners used long boards to travel in the snow and to pass the time by downhill racing with other camps. Included is an exhibit about legendary mailman Snowshoe Thompson who carried heavy mailbags over the Sierra Nevada mountains while rescuing stranded miners.

This museum focuses on hydraulic mining, the laying of the railroad lines and other historical events in this region where gold mining hit its peak with the advent of hydraulic diggings that produced millions of dollars.

9. Carnegie Museum
557 Lincoln St., Roseville. Open MondayFriday and second Saturday of the month. Admission: free.

7. The Forest Hill Divide Museum

24601 Harrison St., Foresthill. Open MayOctober. Admission: free.

Mining exhibits, history of the Foresthill and Iowa Hill divides. The tour includes the museum facility, a reconstructed livery

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Exhibits and information on the history of Roseville and surrounding areas are on display, plus the museum offers a selfguided walking tour of Old Town Roseville. The museum is housed in Rosevilles first permanent library which was constructed in 1912 with brick and terra cotta from Gladding McBean in Lincoln and granite from Rocklin.

10. Griffith Quarry Museum

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22 Todays Home Living 2011

Originally the office of the Penryn Granite Works established in 1864, the museum contains some of the original office furniture, information about the Griffith family who established the quarry, the granite industry and the history of the PenrynLoomis Basin area.

1130PTL023 11/17/2011 4:46 PM Page 23


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Todays Home Living 2011