by Isabella Janovick, Marketing Manager, Anacomp Inc.
There are three basic parts that make up a loan file which are the Loan Number, Sections and Documents. Within the Sections there is a further division of 8 different tabs. The tabs hold the various documents such as Mortgage Documents, Trailing Documents and Imaged Documents. Loan Number A loan number is assigned to every loan file. This number is used to reference and track the file for the life of the loan, or until it is sold to a second mortgage company, where it is assigned a new loan number. The loan number can consist of a string of numbers or a combination of numeric and alpha characters. They average anywhere from six to ten characters. This number is one of the most important pieces of information on a loan, distinguishing it from other loans. When back to school commercials start popping up on TV, my kids freak out! They know summer is coming to end. I, on the other hand, do a little happy dance. Back to routine! Back to uninterrupted workdays! But the start of school does bring back the one task I do dread- School Lunch Packing! But this year lunch packing is quite literally “In The Bag!” So here are my 6 tips for successful school lunch packing.
1) Pack what you know your kids will eat. Seems very obvious, but in an effort to pack a healthy lunch, we often times pack a lunch they won’t even eat. Remember healthy lunches are only healthy if…the food is eaten. So packing that PB&J everyday it is ok! And the less food kids toss; the less they waste. by Scott Ashton, Oceanside Living Magazine
In their efforts to save money on water and play their part in conservation efforts Shepherd of the Valley Lutheran Church has turned much of their property into an inviting venue for the community. The two-fold effort includes a large xeriscape project in the front of the church along with a community garden on the back of the property. According to Pastor Allen Kolkman the front of the church used to be just grass, which was very costly to water, and was hard to keep green. Members of the church collaborated with a local landscape company to create a beautiful front yard, highlighted by dozens of plants along with walking paths inviting the neighbors in for a stroll. Eastside es el nombre popular del vecindario ubicado al este de la autopista 5 y al norte de la calle Mission Avenue. Actualmente, ese nombre podría confundir a mucha gente porque el perímetro urbano oriente de la ciudad de Oceanside alcanza zonas más remotas que el vecindario de Eastside. No obstante, a finales del siglo, cuando la ciudad estaba en pleno desarrollo y siendo poblada, este vecindario estaba ubicado los límites más al este de la ciudad.
En la década de 1910 y 1920, las familias provenientes de México que vinieron a Oceanside se establecieron en Eastside —incluyendo las subdivisiones de las empresa Mingus & Overman, Reece, Spencer, Higgins & Puls—. La mayoría de los primeros residentes eran trabajadores agrícolas que trabajaban en los campos del Valle de San Luis Rey y Rancho Santa Margarita (actualmente conocido como Camp Pendleton). By Cathy Ellis, Senior Living Placement and Consulting
Have you ever wondered about why there are so many different senior housing options? Here's a brief breakdown on the different types of care facilities and what differentiates them. The good news is that there are a lot of options in North San Diego County! 55+ APARTMENTS - no care or meals are available. Apartments that cater to the 55+ population, no meals are included, but they usually have a recreation room and may have some scheduled activities. Check Your local Housing Office for a list of affordable options or get on a list for subsidized housing if you income qualify. You cannot be eligible for special rates if you do not have an application on file. By Kristi Hawthorne, Oceanside Living Magazine
The common name for the neighborhood east of Interstate 5 and north of Mission Avenue is “Eastside.” Today this would puzzle many people because Oceanside city limits go much farther east than the Eastside neighborhood. However, after the turn of the century when the area was being developed and populated, this neighborhood was near the most eastern city limits. Families from Mexico who came to Oceanside in the 1910s and 1920s settled in Eastside, which included the subdivisions of Mingus & Overman, Reece, Spencer, Higgins & Puls. Most of the early residents were laborers who worked in the fields of the San Luis Rey Valley and the Rancho Santa Margarita (now Camp Pendleton). by Frank Murch, Signs for San Diego
North County San Diego business owners know that vehicle graphics make the phone ring. Vehicle graphics like door magnets, decals, vanity graphics, stripes, partial wraps and full wraps are business tools. Signs for San Diego has done vehicle graphic packages for vans, trucks, boats, motorcycles, tanks, Humvees, enclosed trailers, food wagons and cars. Along the way, we have learned a few reasons why you absolutely must have vehicle graphics and a number of reasons that will surprise you. Number One: Exposure. Without question the number one reason to get vehicle graphics on your ride is it is a cheap form of promotion. It makes the phone ring. On California highways, in parking lots and on all streets the exposure is tremendous. It is also a form of endorsement from your customers to their neighbors. While making impressions of the Del Mar Race crowd on opening day is great, it is very easy to get 10,000 views in a normal day while delivering and servicing your customers. by Marva Bledsoe, Business & Community Political Action Committee (BACPAC)
“Prop 13” is very near and dear to California property owners. Since its passage in 1978, talk of change to the law consistently raises the ire of state tax payers. Jeff Wyly from Merdian, a nationwide political consulting and public affairs firm, recently reported to the Chamber’s Emerging Issues Committee that the idea of a “split roll property tax” change to “Prop 13” is again under discussion in committee at the state legislature. What does a “split roll property tax” mean? by Kristi Hawthorne (Published in Oceanside Living Magazine)
Theresia Heyden has led an interesting, albeit difficult life, but lives by the adage, “what doesn’t kill you makes you stronger.” At age 91, Theresia has a sharp mind along with a sharp wit. She shares stories of her adventurous travels and remembers with great detail the people she has met along the way. Born in Germany in 1923, Theresia was formerly trained as a nurse practitioner. Her life, however, took a tragic turn when as a young woman the home her family owned since 1173 was occupied by the Russians during World War II. She was held as a prisoner of war in Russia and forced to work in a coal mine for three years. By Amber Ter-Vrugt, Director Community Relations Scripps Health
Get in the know! If an 8am coffee buzz coupled with opposing arguments, information from political insiders and direct contact with the very people that affect your bottom line sounds better than a day at the beach, you're in for a treat at the Oceanside Emerging Issues meeting. Join us! You will not leave the meeting wanting for opposing sides of every argument, the Emerging Issues meeting is attended by representatives from county, state and federal officials, the business community, education, and your very own city council members. Oceanside embodies every aspect of a military town and businesses continually show their support to both service members and their families. There is a high level of gratitude felt for this amazing generosity and welcoming mentality.
Although, after our most recent military shooting, in Chattanooga, which resulted in the loss of five service members, there is one last thing I ask and encourage every business owner in Oceanside to do – and that is to fly an American Flag. by Marva Bledsoe, Business and Community Political Action Committee (BACPAC)
As California continues to face an unprecedented drought, a proposed Oceanside mixed-use residential development is touting its net zero impact on the City’s water usage. The membership of the Oceanside Chamber’s Emerging Issues Committee was recently reintroduced to the Villa Storia, a planned new neighborhood located at Highway 76 and Mission near the San Luis Rey Mission. By participating in the City’s Purple Pipe Project, Villa Storia will help fund the program to provide the necessary infrastructure to replace the potable water now being used at sites such as El Corazon and “Goat Hill” with reclaimed water. Villa Storia is also reducing water usage at a number City facilities and public buildings by funding the installation of low-flow toilets and touchless faucets. These efforts will result in reduced water use around the city so that the 380 units at Villa Storia having no net increase on City water supplies. by Scott Ashton
One of the things I love about Oceanside is that it is filled with people with good hearts... people willing to use their time, talents and financial resources to benefit others in need. Our community is blessed to have a large number of non-profit organizations that are taking on the challenges of supporting our military, our youth and others who have various needs. Next time you host friends at your house for a Summer BBQ, you can turn our Oceanside Infographic (created by our own Kierstin Hill) into a fun trivia contest. Enjoy these fun facts.
Where can you find Coffee, Creatives and Community? One place I know is Hit the Spot Coffee. Located at 624 South Coast Highway, they do more than simply serve delicious coffee on a daily basis, they cultivate a haven for creatives and members of Oceanside to join in community. Hit the Spot culture ranges from tourists who love the sufer/artsy vibe, to their locals who enjoy a cup of joe on the regular.
Rory, the manager at Hit the Spot Coffee grew up in Oceanside, and encourages people to participate in the community. Specifically she recommends the Harbor events, street fair, and Friday night art walks. In addition to encouraging people to attend events in and around Oceanside, she invites creatives to participate at Hit the Spot Coffee. Artists and musicians are welcome to partner with Hit the Spot Coffee to put on events that showcases their talents and brings people together all in good fun. The Super Girl Pro Surf Contest in Oceanside runs July 24 - July 26 at the Oceanside Pier. Super Girl Pro draws more than 150 international top female surfers and is the largest women's surf contest in the world. More than 70,000 spectators are expected to watch the contest at the Oceanside Pier over the weekend.
More details: http://supergirljam.com/ “An ounce of prevention is worth a pound of cure” is a true statement especially when you become a senior. My best advice for anyone at any age living alone is to have some sort of emergency alert button that you actually wear when you are home alone that you can press if you are experiencing a medical emergency or are on the floor and cannot get up. Things happen when you least expect it, that’s why they are called accidents! Some emergency alert systems can also be programmed to remind you to take your medications or give you other important reminders.
Please check your home inside and out for any type of trip hazards like uneven or raised concrete or slippery floor rugs. Falls are one of the leading causes of death amongst seniors. by: Kristi Hawthorne
Jon Hoover emulates the Southern California lifestyle with a casual attitude. His plans to live a laid-back way of life was typical of most teenagers living within reach of the beach. Most teenagers grow up and find themselves wearing a suit and tie to work, however, Jon Hoover found his way around the grind to do what most only dream about. Jon admits he often ditched class to head to the Oceanside Harbor. He learned to surf at an early age and his “school uniform” of choice included board shorts, flip flops and sand on his feet. In high school Jon worked various jobs typical of a teenager, at Rubio’s and a local skate shop. At the age of 19 he was working in the San Diego Bay doing repo’s when he saw a Harbor Patrol Boat. That life-changing moment inspired him to pursue a career path that he felt would get him where he wanted to be most: on the water. by: Kierstin Hill
Adam Riojas spent 14 years in level 4 federal prison for a crime he did not commit. His father committed a murder in LA and inaccurate evidence was able to place Adam at the scene of the crime. Adam, an Oceanside High School graduate, was an extremely successful real estate agent living in Hawaii when he was arrested the first time. He was detained in solitary confinement and interrogated non-stop for three days straight, but did not know any answers associated with the murder. After three days, he was released and did not think much of it after, because he knew those days had just been a mistake. Eight months later he was arrested in Hawaii again and this time was immediately sent to LA County Jail. He was offered a plea – if he told the detectives who actually committed the murder, he would be set free. Only problem was, he didn’t know who did it. What is the Value of eSigs?
by: Isabella Janovick, Marketing Manager, Anacomp Inc. A paperless office is becoming more of a reality with new technological applications and tools to assist in unnecessary paper consumption and paper copies. For every 30 sheets of paper, 39% is thrown in the trash. The average employee signs 500 documents a year at an estimated cost of $6.50 a document. This figure is based on several factors such as copying, scanning, tracking and storage. Businesses in sales, finance, operations, legal and more are now adopting eSigs applications as part of their business process workflows. eSignatures assist these verticals with smart automation, reduction in errors and costs, legal risk mitigation, and build a better customer experience. Dr. Duane Coleman is an Oceanside success story; educated in the Oceanside Unified School District, he now serves as the OUSD Superintendent. Born in Hawaii, he moved to Oceanside when he was just one year old. His mom was a missionary in Hawaii where she met his dad, serving as a Marine. He subsequently was transferred to Camp Pendleton when Duane was a baby. Duane was a talented athlete during his time at Oceanside High School. A Varsity letter winner in football, basketball and track, he received a full-ride football scholarship to the University of Hawaii when he graduated high school in 1979. After a successful college football career as a wide receiver, Duane was drafted by the Denver Broncos and played for one year before blowing his knee out and being waived from the NFL team.
Fortunately he earned a teaching credential while still at the University of Hawaii and moved back to Oceanside to coach high school football at his alma mater. Proving to be a successful coach, Duane was offered a full-time teaching job at El Camino High School where he taught for the next eight years as well as coached football, girls basketball and boys and girls track and field. With 10,000 people a day turning 65 today through 2030, the 65 plus age group is now the largest segment of the U.S. population. In my blog for the Oceanside Chamber of Commerce I hope to help you navigate the many senior care options out there over the next several months in greater detail. We will review the options from staying at home with In-Home Care, modifying your home with grab bars and ramps to the different levels of Assisted Living and Skilled Nursing options out there at the various price points. I will also review whether you may be a candidate for Veteran’s benefits for yourself or spouse as well as discuss what Medicare, Medi-Cal and Long Term Care Insurance pays and doesn’t pay for.
Camp Pendleton and Oceanside go hand in hand, and that is the way it should be when two communities are so closely woven together. At the Military Affairs committee meeting we discussed ways to bridge the narrowing gap between Camp Pendleton and the City of Oceanside. There were many great ideas brewing between the dedicated Military Affairs committee participants that we are so excited to start putting into action! We discussed transitional programs, business partnerships, and many more co-op events like Operation Appreciation. Check out the video of this past year’s Operation Appreciation.
by Kristi Hawthorne
from Oceanside Living Magazine 2015 Endless energy, enthusiastic and fun are just a few words to describe Eileen Lohner- Turk. All of those things are needed for her job as Division Manager of Oceanside’s Parks and Recreation. Eileen is a great ambassador for the City of Oceanside. She’s a cheerleader for Oceanside and a positive force. She’s a unifier and a doer, ready and able to get things done. Her attitude is contagious and she’s able to inspire others around her. When asked how she keeps her sense of humor and a positive outlook, Eileen said she is “fueled by other’s people’s joy.” |
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