thank you - Sacramento Hispanic Chamber of Commerce

Transcription

JANUARY/FEBRUARY 2006
MEMBERSHIP MEANS BUSINESS
BUSINESS MAGAZINE
W W W. S A C H C C . O R G
NEW TAX LAWS
SHCC BUSINESS AWARD WINNERS
THAT AFFECT YOUR
BUSINESS IN 2006
FEATURED MEMBER:
AMADOR BUSTOS
THE RIGHT FINANCIAL TOOLS
IS JUST ONE KEY
THANK YOU
THANK YOU
THANK YOU
THANK YOU
THANK YOU
THANK YOU
THANK YOU
THANK YOU
THANK YOU
THANK YOU
A SPECIAL THANK
YOU TO OUR INVESTORS
We have entered our 23rd year of business with quantifiable
objectives, formulated by the twenty-two years of client patronage
and loyalty we have received and acknowledge. It is with respect,
humility and gratitude that we reflect upon this relationship; the
foundation of Intra-Pacific Commercial, Inc.
Richard A. Ortiz
Established January 13, 1984
SHCC Member Since 1986
9254 Madison Ave • Orangevale, CA 95662
916.989.6700 • 916.989.3462 fax
contents
JANUARY/FEBRUARY 2006
20 06
PA RT NER S
OF
DI STI NCTI O N
MESSAGES
4
Chair’s Message
6
President’s Message
¡QUE TAL!
7
Featured Member: Amador Bustos
8
Upcoming Chamber Events/New and Renewed Members
BUSINESS SECTION
10
What To Do If You Are Selected For An Audit
12
The Right Financial Tools is Just One Key
14
New Tax Laws That Affect Your Business In 2006
16
New Year Investment Resolutions You Can Follow All Year Long
18
Al Punto...To The Point
19
Direct Deposit And Your Bottom Line
SPECIAL FEATURES
22
The Best Of 2005: SHCC Business Award Winners
26
Identity Theft...the Crime Of The Century
29
Incorporating Etiquette
THE MISSION OF THE SACRAMENTO HISPANIC CHAMBER OF COMMERCE IS (1) TO CREATE, EXPAND AND
PROMOTE BUSINESS OPPORTUNITIES FOR THE HISPANIC COMMUNITY, AND (2) TO SUPPORT AND ADVOCATE FOR
THE INTERESTS OF THE COMMUNITY, WHICH IT SERVES THROUGH ADVOCACY, EDUCATION AND NETWORKING.
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chair’s message
2006 EXECUTIVE COMMITTEE
CHAIR OF THE BOARD OF DIRECTORS
José Ramirez, M.D.
Family Medicine
PRESIDENT/CEO
Diana M. Borroel
SHCC
CHAIR-ELECT OF THE BOARD
Paul Galindo
Galindo Communications
2007/08 CHAIR-ELECT OF THE BOARD
Griselda Barajas
Griselda’s Catering Services
PAST CHAIR OF THE BOARD
Kenneth A. Macias, D.P.A, CPA
Macias, Gini, & Company, LLP
TREASURER
Benjamin F. Slater
Bishop Powers Commercial Real Estate
A New Year has begun and the Chamber is preparing for another successful
term. We will kick off 2006 with the 34th Annual Business Awards and Recognition Banquet on February 25, 2006. The banquet will be held at the Sacramento
Convention Center and will recognize individuals and businesses that are making a difference in our community and helping to create a strong local economy.
The Annual Awards and Recognition Banquet is the showcase event for the
Chamber, and we are delighted to honor this year’s recipients with the recognition and respect that they have earned.
SECRETARY
Norma Barajas
Texas Mexican Restaurant & Catering
VICE-CHAIR, BUSINESS ADVOCACY
Andrea Rosa
The Rosa Law Group
VICE-CHAIR, COMMUNITY RELATIONS
Noreen Diaz
Travis Credit Union
VICE–CHAIR, MEMBER SERVICES
Nahid Vassef
Pre-Paid Legal Services, Inc.
This year’s Business Awards Recipients are: Businessman of the Year – Rod
Wong, American Financial Services, Inc.; Businesswoman of the Year – Winnie
Comstock-Carlson, Comstock’s Magazine; Corporate Hispanic Business Advocate of the Year – Union Bank of California; Non-Profit Organization of the Year
– Yolo County Housing Authority; and Volunteer of the Year – Michele Valencia.
These individuals and organizations have exhibited their dedication to fulfilling
the mission statement of the Hispanic Chamber of Commerce: to create, expand, and promote business opportunities for the Hispanic community, and to
support and advocate for the interests of the community which it serves through
advocacy, education, and networking. We congratulate this year’s recipients and
look forward to their continued dedication and support of the Chamber.
GENERAL COUNSEL
Lawrence B. Garcia
The Diepenbrock Law Firm
BOARD OF DIRECTORS
Amparo Perez-Cook
Aztec Media, Inc.
Nick Montoya
Intel Corporation
Fernando Ortiz
Elevator Controls Corporation
Randall E. Reynoso
Placer Sierra Bank
In keeping with the theme of this year’s banquet, “Negocios con Corazón”
(Business with Heart), the Chamber will also honor distinguished individuals
and organizations that have exhibited success in the business community while
promoting a healthier life. We will recognize Dr. Barbara Arnold, Dr. Francisco
Prieto, U.C. Davis Health Systems, the Mexican Consulate of Sacramento, and
MAAP, Inc. for the work that they have done in promoting healthier avenues
for individuals in the Sacramento community. A special recognition will also be
presented to Ernie Bodai of the Kaiser Permanente Group.
John J. Rueda
Law Office of John J. Rueda
Ana Rojas
Opening Doors
Ophelia Riego
Riego Insurance Agency
Carolina Rojas-Gore
Univision 19 KUVS-TV
We will continue to work to promote the ideology of the Chamber throughout the
Sacramento Community. We will strive to expand our network, through diversity
as we reach out and welcome new businesses and members. I look forward to
meeting you at one of the many mixers that are planned for this year.
I invite each of you to join us in February in celebration of our award winners.
When you witness the presentation of the awards, remember that the same
dedication and potential that our award recipients have exhibited are also attributes that each of us has. It is with the assistance of the Chamber that we hope
to help you reach your potential and fulfill your dreams.
Carlos (Charlie) Ramirez
Johnnie’s Body Shop
Robert Budiman
Newcastle Ventures LLC
SBSC
CHAIRMAN OF THE BOARD
Sam Perez
Rodriguez, Perez, Delgado & Company LLP
Sincerely,
Cassy Matu
Accountant
Ruby Maciel
Membership Services Coordinator
Temo Reyna
Administrative Assistant
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PUBLISHER
Diana M. Borroel
Sacramento Hispanic Chamber of
Commerce
916.486.7700
EDITORIAL COMMITTEE CHAIR
Nahid Vassef
Prepaid Legal
916.628.1889
PRODUCTION MANAGER
Valentin Carrillo
ValTek Enterprises
916.968.7083
CONTRIBUTING WRITERS
Mike Garcia
Desmond McLeish, Inc.
916.446.6831
Karen McCord
Hill McCord Communications, LLC.
916.502.0268
SECTION WRITERS
Al Punto… To The Point
Norma Andrade
A.G. Edwards & Sons
916-927-4444
Counsel’s Corner
Lawrence B. Garcia
Diepenbrock Harrison
916.446.4469
¡QUE TAL!
Celia Cortez
SHCC
916.486.7700
ADVISORY COMMITTEE
Norma Barajas
Texas Mexican Restaurant & Catering
916.443.2030
Lenor A. Nunez
Prevention Research Institute
916-233-9965
Proof Reading
Benjamin Slater
Bishop Powers Commercial Real Estate
916.290.9251
DESIGN & PRINTING
Kellie Melby
Commerce Printing Services
916.442.8100
ADVERTISING
Valentin Carrillo
ValTek Enterprises
916.968.7083
Temo Reyna
Sacramento Hispanic
Chamber of Commerce
916.486.7700
Sacramento Hispanic
Chamber of Commerce
2848 Arden Way, Suite 230
Sacramento, CA 95825
Interested in submitting story ideas
or becoming part of the Editorial
Committee? Send us an email at
[email protected].
MANAGEMENT/STAFF
Celia Cortez
Director of Programs/Events
Jose, M. Ramirez, M.D.
Chairman of the Board, Sacramento Hispanic Chamber of Commerce
EDITORIAL BOARD
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SHCC MEMBER AD RATES
1/4 page
$300
1/3 page
$375
1/2 page
$425
2/3 page
$525
full page
$600
president’s message
FIDELINA DURAN
Investors Network
MEMBERSHIP MEANS BUSINESS is our slogan and our members can testify how the Sacramento
Hispanic Chamber of Commerce opens doors to business opportunities and growth.
According to Norma Barajas, a member whose business was recently discovered in the SHCC Membership Directory located on the SHCC’s website www.sachcc.org, “Earlier this month, I received a call
from a reporter with USA today. She was doing a story about how Americans are hiring out services for
the holidays. She found my contact information through our Chamber website. We talked and planned
for a photographer to shoot photos at a catering job. Texas-Mexican Restaurant was the cover story of
the Money section on December14, 2005. I received calls from throughout the U.S., from people who
saw the article and made many new clients locally.” Norma was also on Univision’s ‘A Primera Hora’
doing a cooking segment because of an introduction at one of our monthly networking mixers. Norma
and her sister Griselda Barajas have been members for 15 years. They have taken advantage of the
tools offered by the Sacramento Hispanic Chamber of Commerce to market and grow their business.
I would venture to guess there are many other stories in our membership regarding business transactions and business relationships due to membership in the Sacramento Hispanic Chamber of Commerce. Yes, there will be some who will say that their membership did not produce results, but results
come from involvement. A garden does not grow by just planting the seed. It takes watering, hoeing,
spraying, etc. It takes involvement on the part of the gardener to see the beautiful rose grow. The
same with SHCC membership. The member must cultivate in order to see results.
If someone has a bad experience, we would like to know about it. However, we would also like to
have solutions for averting the problem or how we can improve the situation in the future. Complaints
without solutions would be a waste of time and energy on the part of both parties.
We have such generous, intellectual, talented and quality people in our membership. The Board of
Directors, Chamber staff, corporate sponsors, entrepreneurs, non-profits and business owners truly
work together as a team.
Our new members have so much energy and enthusiasm, it’s contagious! November saw 32 new
members, a true testimonial of the great things that are happening. January is a month of new beginnings. We have designed a mixer/business expo combination, with the first one of the year held at the
Hilton Arden West Hotel on January 25th. There will be three other mixer/expo events in 2006. Other
upcoming events include the Scholarship Banquet, where we award scholarships to deserving students
and The Jalapeno Golf Classic, which will be held August 25, 2006 at Lincoln Hills Golf Course. We
have also planned numerous workshops and educational business programs throughout the year.
Our 34th Annual Business Awards and Recognition Banquet will be sold out! We expect a capacity
crowd of 1,200. Sacramento’s top Hispanic businesswomen, businessmen and non-profit organizations are awarded for demonstrating business growth, community involvement and creating innovative business services. Corporate sponsors are acknowledged for their contributions. Although
business people tend to be very humble, we want to emphasize that for next year’s awards, selfnomination is acceptable. Who knows more about you and your business than you?
Hispanic Americans, the largest minority group in the United States, numbers about 40 million or 14% of
the U.S. population. By the year 2050, we will be 25% of the population. Our purchasing power is $700 billion now, growing to $900 billion in 2008 and $1 trillion by 2010, according to www.marketresearch.com.
Thank you for being part of our dynamic chamber!
S A C R A M E N T O
EDGER CALDERON
“Delivered the message of diversity
from the SHCC to other business
groups in the Sacramento Region.”
FRED RAMERO
FA Ramero Company
“Published first pictorial book, and
caught Walter, the biggest fish in
Folsom Lake.”
GARY SIMON
Sacramento Convention
and Visitors Bureau
“Had first child Laylah Renae Simon
on 11/20/05 at 5:50 AM with wife of
10 years the lovely Latonia Simon.”
NAHID VASSEF
Prepaid Legal Services, Inc.
“Nominated Volunteer of the Year by
the SHCC, and Elected to the SHCC
Board of Directors, where I am able to
give more value to SHCC Members.”
Diana Borroel
SHCC President/CEO
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WHAT WAS YOUR BIGGEST ACCOMPLISHMENT IN 2005?
“Obtaining my real estate brokers
License.”
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¡que tal!
We are proud to highlight Amador Bustos as our featured member. Mr. Bustos has been
and remains an instrumental force not only in Spanish media, but throughout the business
community. He is well respected for his willingness to share his knowledge and inspire
others striving for success. We asked Mr. Bustos to discuss a bit of his background and
share a few tips for success with us and he graciously agreed.
featured member
amador bustos
BY KAREN MCCORD
SHCC: What made you go into media?
BUSTOS: I started in media as a part-time
job while attending graduate school at UC
Berkeley. I was hired by the Bay Area Bilingual Education League (BABEL) to attempt
to get access to both radio and television
public affairs programs. The BABEL executive director wanted to speak against one of
the first attempts - by then-senator Sam Hayakawa - to pass a constitutional amendment
to make English the official language of the
United States. In that effort, I became familiar
with the public obligations of all broadcasting
outlets, but I also witnessed the important
social vehicle radio and television were. Concurrently, with receiving my masters’ degree
in Sociology of Education, California passed
Proposition 13 in 1978. At that point, for personal and professional reasons, I decided to
have a career change. I chose broadcasting
as my new field of interest. My first full-time
job was at KCBS in San Francisco, as coordinator of editorials and public affairs. After
a couple of years, I realized that the industry
ladder into management and eventual ownership was on the sales side. That is when
I moved and went to sell Spanish radio and
television ads in San José, for 12 years until
we came to Sacramento to start Z-Spanish
media in 1992. We built Z-Spanish to 32 stations strong and the sold it to Entravision in
2000 for a valuation of over $450 million dollars. In 2003, we began Bustos Media, LLC.
This is our second effort to build a national
broadcasting company, based right here in
Sacramento, to serve the Spanish-speaking
audience around the country.
SHCC: You sit on several boards (American River
Bank, BMI, etc.). How important is your involvement in different organizations to your success?
interest. The exposure one gets in the board
room is very enlightening to see how the
“captains” of business and industry run their
corporations. I contribute my share to those
boards, but I am certainly learning more than
I am giving. Integrating the board room is the
ultimate expression of being an “insider” in a
business circle.
SHCC: Any New Years resolutions?
SHCC: You also have a philanthropic organization: The Bustos/Lopez Family Foundation.
What type of impact have you seen on the community through the foundation’s activities?
SHCC: What are your plans for your business in
2006?
BUSTOS: The impact in the larger community
is hard to measure at this point in time. However, the enormous impact of our four-year
scholarships on the approximately 38 young
scholars who have received them is abundantly clear. We have supported these young
and talented students financially, through
undergraduate and graduate school. All of
these scholars have been products of some
of the most impacted (poor) public schools
and neighborhoods. The greater social good
of our action will only be seen much later, depending of what these kids accomplish in life
and in turn what they do for others.
SHCC: Advice for new business owners?
BUSTOS: I would not stop at the threshold
of just establishing your own business and
being content to work for yourself. Think that
your business may start small, but drive it to
grow into a major competitor in your field.
Dream of eventually hiring hundreds of people beyond just your family members. Do not
be shy about generating wealth for yourself
and for others. That is the single most important reason to go into business besides
making a living.
BUSTOS: All my board activities are related
either to the industry I work in, or to personal
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BUSTOS: Not really...I have battles every
day with yesterday’s resolutions and tomorrow’s plans. Even though I do make longrange plans, I truly circumscribe my activity
to a very small time frame and focus on what
I have to do today.
Bustos: We hope to acquire about 10 more
radio stations in a combination of three new
markets, as well as our current ones.
SHCC: How do you juggle your business activities with your family life?
BUSTOS: By integrating one into the other
as much as possible, but still seeing them as
distinct. For example, I like to take my family
when I go on business trips. They get to see
a lot of the country and I get to do my work,
but at least we get to have dinner together.
Invariably, this issue of balance is one of the
most delicate and skillful tasks one needs
to perform. I always have to keep reminding
myself of how important one is to the other.
SHCC: If you could narrow it down to one factor,
what would you say is the single most important
factor in your success?
BUSTOS: The loyalty, goodwill and dedication of the people that work with me.
KAREN MCCORD is the owner of Hill McCord Communication, LLC. Services include
creating, writing, editing and designing both
web and print-based marketing and business
collateral. For more information, please contact her at [email protected]
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¡que tal!
upcoming chamber events
march-april
DATE: MARCH 14, 2006
SHCC BUSINESS NETWORKING MIXER
For details please visit www.sachcc.org
EVENT: BUYING & SELLING A SMALL BUSINESS
Location: South County BIC
8401 Gerber Road, Suite A, Sacramento
Time: 9:30 am - 12:00 pm
EVENT: SPANISH BILINGUAL
BUSINESS SUCCESS FORUM
Location: Stockton Boulevard BIC,
Stockton Blvd., Sacramento
Time: 5:30 pm - 8:30 pm
EVENT: STATE PAYROLL TAX WORKSHOP
Location Stockton Boulevard BIC
4990 Stockton Blvd., Sacramento
Time: 5:30 pm - 8:30 pm
EVENT: ALLIANCE BUSINESS NETWORKING MIXER
Hosted by: Griselda’s Catering and Event Planning
Time: Expo at 4:30 pm | Mixer 5:30 pm - 7:30 pm
Host: Griselda’s Catering
Location: Tex-Mex at the State Capitol
(Located in the lower level of the Capital)
DATE: APRIL 26, 2006
SHCC BUSINESS NETWORKING MIXER
Host: Union Bank of California
Time: 6:00pm - 8:00 pm
Location: 700 L St., Downtown Branch
Find out more about these and other upcoming
events/meetings at www.sachcc.org.
EVENT: FINANCING OPTIONS
FOR YOUR SMALL BUSINESS
Location Stockton Boulevard BIC
4990 Stockton Blvd., Sacramento
Time: 5:30 pm - 8:30 pm
New Members — Nuevo Miembros Welcome — Bienvenidos
Alliance Auto Body Inc.
Saren Patel
8180 Elder Creek Rd.
(916)381-1853
[email protected]
www.allianceaoutobody.net
Allied Insurance
Ursula Whitfield
1601 Exposition Blvd.
(916)920-7701
whitfi[email protected]
Anointed Beauty Salon & Supply
Store
Bernice Alegria Espinoza
2530 Watt Ave.
(916)489-0783
[email protected]
(916)769-2407
[email protected]
www.creativeblindsusa.com
CEI Cornerstone Lending
Griselda Barajas
915 L St., C#189
(916)492-4690
[email protected]
www.cornerstonelender.com
Diablo Grills
Henry Laredo
3127 Fite Cir., Ste D
(916)361-7100
[email protected]
www.diablogrills.com
Century 21 Landmark Network
David Tran
7321 Stockton Blvd.
(916)393-0825
[email protected]
www.c21ln.com
Doctors Billing Services
Gary Grant
20301 St John Ave.
Escalon, CA 95320
(209)838-0531
[email protected]
City of Rancho Cordova
Ken Cooley
11119 Concord River Ct.
Rancho Cordova, CA 95670
(916)851-8700
[email protected]
www.cityofranchocordova.org
Arevalo, Jose Alberto MD
Jose Alberto Arevalo MD
2800 L St. 7th Floor.
(916)435-8216
[email protected]
www.sutterphysician.org
Black Diamond Photo DBA Pixel Tour
Carlos Velasco
2151 Beckett Dr.
El Dorado Hills, CA 95762
(916)220-4005
[email protected]
www.blackdiamondphoto.com
CA. Restaurant Association
Education Foundation
1011 10th St.
(916)431-2751
[email protected]
www.calrest.org
(916)921-0434
[email protected]
www.casabellagalleria.com
Cohan Loan Team
of JC Lending Group
Federico Cohan
4030 Truxel Rd., Ste A
(916)263-9000
[email protected]
www.cohanloanteam.com
Countrywide Home Loans
Victor Manuel Banda
1573 Alicia Way
(916)730-7332
[email protected]
www.home.countrywide.com/victorbanda
Cantina Del Rio
Demont Pegram
106 J St.
(916)443-6376
[email protected]
Countrywide Home Loans
Jose L. Garcia Jr.
2250 Del Paso Rd., Ste B
(916)515-4404
[email protected]
www.home.countrywide.com/josegarcia
Casa Bella Galleria
Rhoda Santamaria
1511 Del Paso Blvd.
Creative Blinds USA
Josee Lamothe Kafeih
PO Box 1543
Elk Grove, CA 95759
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Dr. Gwendelyn G. Enriquez D.M.D
4021 Woodcreek Oaks
Rosevile, CA 95747
(916)772-4286
[email protected]
Edward Jones
William Wagner
11230 Gold Express Dr., #309
Gold River, CA 95670
(916)638-2600
[email protected]
www.edwardjones.com
El Saguaro Mexican Food
Jose Rodolfo Diaz
10044 Bruceville Rd., #140
Elk Grove, CA 95757
(916)690-8398
[email protected]
Fandangos Night Club
J.R Banderas
6817 Bolzano Way
Elk Grove, CA 95757
(916)635-1925
[email protected]
www.fandangosnightclub.com
Farmers Insurance
Frank Ramirez
4600 Northgate Blvd., Ste 105
(916)929-4600
[email protected]
Gateway Bank
Richard Wuerthner
3800 Watt Ave., Ste. 285
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(916)483-5975
[email protected]
www.gatewaybankfsb.com
Insight Technologies, Inc.
Ernesto Belmonte
980 Ninth St.
(916)449-9537
[email protected]
www.it-insight.net
Jasmine Discount Cleaners
Harry Brar
6964 Sunrise Blvd.
Citrus Heights, CA 95610
(916)723-3652
[email protected]
Kraft Real Estate
Lila Gutierrez
5 Gertz Ct.
(916)595-4793
[email protected]
www.kraftrealestate.com
Mary Kay Cosmetics
Wanda Singleton
11009 Brattleboro Cir.
Mather, CA 95655
(800)263-2563
[email protected]
www.marykay.com/wsingleton1
Mega Town Craft
Gloria P. Kelly
7111 Glass Slipper Way
Citrus Heights, CA 95621
(916)832-6243
[email protected]
www.gloriapapin.com
Melanie’s Medical Transcription
Melanie Franklin
701 Oakdale St., # 9
Folsom, CA 95630
(916)985-8339
[email protected]
One Step Enterprises, Inc.
Eric Bisellach
2968 Shasta Way
West Sacramento, CA 95691
(916)275-8547
[email protected]
www.onesteptravertine.com
I S S U E
Pacific Care/Secure Horizon
Gary Boatwright
2180 Harvard St.
(916)567-2375
Proms to Beaches, Inc.
Nancy Fallat
911 Washington Blvd.
Rosevile, CA 95678
(916)783-4696
[email protected]
www.promstobeaches.com
Romero Tax Service
Victor E. Romero
5145 Camanche Way
(530)677-6950
[email protected]
Safety Compliance Institute
Arturo Merino
1937 Rolling Wood Dr.
Fairfield, CA 94534
(707)320-0523
[email protected]
www.mwid.com
SBM Site Services
Angelica McLemore
5241 Arnold Ave.
McCellan, CA 95652
(916)922-7600
[email protected]
www.thesbmgroup.com
Sojourn Staffing Support Inc.
Cora Sy
2500 Marconi Ave., Ste 212
(916)484-6331
[email protected]
www.sojournstaffing.com
SureWest
Mike Doyle
PO Box 969
Rosevile, CA 95678
(916)786-4191
[email protected]
www.surewest.com
The College Board
Rafael Magallan
915 L St., Ste 1200
(916)444-6262
[email protected]
www.collegeboard.com
Travis Credit Union
Noreen Diaz
One Travis Way
Vacaville, CA 95687
(707)469-1749
[email protected]
www.traviscu.org
Wildhawk Golf Club
Chuck Oldes
7713 Vineyard Rd.
(916)688-4653
[email protected]
www.wildhawkgolf.com
Carleton M. Enloe
9324 Miko Cir.
Elk Grove, CA 95624
(916)689-3799
[email protected]
Stella Guzman
9063 Foothills Blvd., Ste. 1
Roseville, CA 95747
(916)773-5761
[email protected]
www.amcaprealty.com
Juan Cisneros
66 Marilyn Cir.
(916)212-0548
[email protected]
www.goodchap.com
Giana Montoya
7006 Winterwood Ct.
Granite Bay, CA 95746
(916)767-2236
[email protected]
Renewed Members
Miembros Que Han
Renovado
A.G. Edwards & Sons, Inc.
Norma Andrade
2180 Harvard St., Ste. 500
(916)927-4444
[email protected]
www.agedwards.com/fc/Norma.
Andrade
Alberto Figueroa Insurance Agency
1851 Heritage Lane, Ste. 240
(916)308-2588
afi[email protected]
American Leadership Forum,
Mountain Valley Chapter
Doni Blumenstock
1321 Garden Highway, Ste. 200
(916)920-5669
[email protected]
ww.alf-mvc.org
American River Bank
Ed Jensen
9750 Business Park Dr., Ste 100
(916)231-6316
[email protected]
www.americanriverbank.com
Americana Realty & Americana
Mortgage
Eli Galindo
9120 Elk Grove Blvd
Elk Grove, CA 95624
(916)686-1388
[email protected]
Anselmo Padilla
9559 Golf Course Lane
Elk Grove, CA 95758
(916)683-1042
[email protected]
(916)441-5627
[email protected]
www.danielsidhu.com
Artistic Interior Redesign
Jodi King
4730 Paula Way
Fair Oaks, CA 95628
(916)965-7388
[email protected]
D’CORE INC
Henry Aguilar
PO Box 293834
(916)563-1800
[email protected]
www.dcoreinc.com
Associated Students Inc.,
Sacramento State
Randolph A. Morgan
6000 J St.
(916)278-7917
[email protected]
www.asi.csus.edu
Lincoln Media Group, LLC
Monti Hall
PO Box 1206
Lincoln, CA 95648
(916)645-9060
[email protected]
www.lincolnmediagroup.com
De La Rosa Zimmerle Bookkeeping
Marcella Brown
3000 G St.
(916)442-3158
[email protected]
www.zimmerle.biz
BloodSource
Shawn Ramos
1625 Stockton Blvd.
(916)453-3719
[email protected]
www.bloudsource.org
Del Campo Dance Studio
Mike Del Campo
2818 Marconi Ave.
(916)483-5292
[email protected]
www.delcampodance.com
BMI Staffing
Isela Gutierrez
2020 Hurley Way, Ste 280
(916)925-4264
Igutierrez@BMIStaffing.com
www.bmistaffing.com
Diaz, MBA
Guillermo Diaz
5600 Franklin Blvd., Ste. A
(916)606-6557
[email protected]
California Credit Union League
Ashley Trujillo
1201 K St., Ste 1850
(916)325-1371
[email protected]
www.ccul.org
California State Council of Laborers
Jose Mejia
1121 L St., Ste. 802
(916)447-7018
[email protected],[email protected]
Sacramento State
Stephen G. Garcia
6000 J St., Sacramento Hall 272
(916)278-6312
[email protected]
www.csus.edu
Carla Isabel Docharty, D.P.M.
3800 J St., #200
(916)443-7994
Carrillo Enterprise
Ambrose Carrillo
14807 Nevar Ct.
Rancho Murieta, CA 95683
(209)245-3665
Costa Azul Restaurant
Aurora Fragozo-Aguirre
7218 Franklin Blvd.
(916)424-9608
CV Logistics, Inc.
Carla Vazquez
2741 Riverside Blvd.
(916)441-6070
www.cvlogistics.com
Daniel Sidhu & Associates
1501 21st St.
Maestas Political Consulting
Katherine Maestas
717 K St., Ste 442
(916)442-0785
www.maestrasconsulting.com
Mail and More
Neighborhood Postal Center
Mary Cabranes-Slater
5050 Laguna Blvd., Ste 112
Elk Grove, CA 95758
(916)684-6245
[email protected]
Martel Eye Medical Group
Dr. Joseph Martel
11216 Trinity River Dr.
Rancho Cordova, CA 95670
(916)635-6161
[email protected]
Edward Aguilar
1 Shields 3100, Dutton Hall
Davis, CA 95616
(530)754-8106
[email protected]
California Bank & Trust
Gary Davis
1331 Broadway
(916)341-4800
[email protected]
www.calbanktrust
Macias Gini & Company LLP
Kenneth A. Macias
3000 S St., Ste 300
(916)290-1812
[email protected]
www.maciasgini.com
McDonald’s
Mark Ruiz
801 Riverside Ave., Ste. 206
Roseville, CA 95678
(916)797-9350
Frank Perez Tays
5600 Onyx Dr.
Rocklin, CA 95677
(916)632-2703
[email protected]
Galindo Communications, LLC
Paul Galindo
8299 Florin Rd., Ste. 100
(916)386-6001
[email protected]
www.claica.com
Garcia’s Excavating, Inc.
Rigoberto Garcia
PO Box 4675
Auburn, CA 95604
(530)878-8390
[email protected]
MCM Consulting
Carmen Meeks
3031 Stanford Ranch, Ste. 2223
Rocklin, CA 95765
(916)435-9499
[email protected]
www.mcmhrconsulting.com
Mojica Architecture Studio
Edward Mojica
2588 Rogue Way
Roseville, CA 95747
(916)783-6277
[email protected]
NCDC & LIU Organizing Department
Jerry Morales
620 Sunbeam Ave.
(916)556-3386
[email protected]
Halldin Public Relations
Bill Halldin
720 Sunrise Ave., Ste B204
Roseville, CA 95661
(916)781-0650
[email protected]
www.halldinpr.com
Harbison-Mohony-Higgins Builders,
Inc.
Cynthia Adamson
15 Business Park Way, Ste. 101
(916)383-4825
cadamson@hmh
www.hmh.com
Pat Enos
2600 Stockton Blvd.
(916)452-1431
Perez Concrete
Peter P. Perez
8530 Unsworth Ave.
(916)395-6027
[email protected]
Johnnie’s Body Shop
Carlos L. Ramirez
1228 X St.
(916)551-1800
[email protected]
Real Estate Portfolio/Global Financial
Services
Daniel A. Zepeda
10063 Folsom Blvd., Ste. A
(916)364-1178
[email protected]
Justin’s Landscaping Company
David Jaramillo
PO Box 2604
Orangevale, CA 95662
(916)863-1335
[email protected]
www.justinslandscaping.com
Romo & Associates
Albert Romo
1156 Suncast Lane, Ste. #3
(916)941-0350
[email protected]
www.romoassociates.com
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RT Segura Financial & Insurance Services
Robert Segura
9700 Business Park Dr., Ste 102
(916)362-5664
Sacramento Regional Transit District
Dr. Beverly Scott
PO Box 2110
(916)321-2989
[email protected]
www.sacrt.com
SMUD
Ralph Carmona
PO Box 15830 MS B404
Sacramento, CA 95852-1830
(916)732-5862
[email protected];[email protected]
www.smud.org
State Farm Insurance
Rigo De La Torre
8788 Elk Grove Blvd., Bldg. #2 Ste. A
Elk Grove, CA 95624
(916)685-3973
[email protected]
www.StateFarm.com
Stockton Boulevard Partnership
Diana Rosas
5625 Stockton Blvd.
(916)454-2469
[email protected]
www.stocktonblvdpartnership.com
University of Phoenix,
Sacramento Valley Campus
Jackie McPartland
2890 Gateway Oaks Drive., Suite 200
(916)923-2107
[email protected]
www.phoenix.edu
USE Credit Union
Cynthia Morales
4321 Truxel Rd., Ste F1
(916)419-5873
[email protected]
www.usecu.org
Correction
Ebers Garcia
Somos Advertising
171 Sutley Cir.
Sacramento CA 95835
(916) 419-8184 Fax: (916)419-8191
[email protected]
www.somosadv.com
Thank you
for your referrals!
Gracias
por sus referencias!
Benjamin Slater
Bill Tang
Celia Cortez
Cora Sy
Diana Borroel
Dr. JoseRamirez
Jacklynn Alcaraz
Lili Singh
Manuel Vizcarra
Nick Montoya
Noreen Diaz
Norma Andrade
SBC
Temo Reyna
H I S P A N I C
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business section
what ifto
do
you are selected for an
B Y: G A B R I E L S . G A R C I A , D I E P E N B R O C K H A R R I S O N
As we move into spring, many business owners are reminded of the unpleasant task of preparing and filing
income tax returns for the April 15th deadline. Business owners are generally concerned that such filings could
ultimately trigger an IRS tax audit. Tax audits can be especially intimidating affairs because they may not only
result in an obligation to pay additional taxes and penalties, but also occupy a great deal of the business owner’s
time and resources in order to “prove” his or her innocence throughout the audit process.
This article is intended as a general discussion as to what steps should be taken should you or your business be
subject to an IRS tax audit. It is not intended as a comprehensive review of this subject. If you have questions
concerning a tax audit or any other issue pertaining to your business, please send them to Counsel’s Corner at the
SHCC Office at 916-486-7700 (www.sachcc.org), or to Mr. Garcia at 916-492-5000 ([email protected]).
10
S A C R A M E N T O
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WHAT IS A TAX AUDIT?
In any given year, the IRS will only audit
a fraction of tax returns (on average 1-2%
for individual returns.) The rates of audit
vary, however, depending on a number of
factors, including current staffing levels at
the IRS offices.
Generally, there are certain types of returns
that receive more scrutiny than others. As of
late, the IRS has focused more on ensuring
that taxpayers report all taxable income. As
a result, taxpayers who are self-employed,
earn most of their income from tips, or run
cash-intensive businesses face a greater
likelihood of an audit.
There are three types of tax audits: (1) Correspondence Audit: where your records
are mailed to the IRS for review, (2) Office
Audit: where your records are brought to
the IRS for examination, or (3) Field Audit:
which takes place at your office or the office of your legal representative. The IRS
selects the time and method of audit, but
is bound by the requirement that the time
and method be “reasonable under the circumstances.”
HOW DO I PREPARE FOR A TAX AUDIT?
If possible, obtain representation. As a taxpayer, you have the right to be represented
by an attorney, a CPA, or an Enrolled Taxpayer Advocate at the IRS. Legal representation is important because it improves your
chances of success in the audit. Experienced
tax practitioners will know how to avoid mistakes in dealing with the IRS and may have
additional practical strategies in handling
your case before the IRS.
Keep good records of all income. Also, keep
organized records of all expenses and deductions. This is particularly important in
the event that the IRS tries to assess a tax
based on the discrepancy between your income and your lifestyle.
Learn your rights as a taxpayer. The Declaration of Taxpayer Rights can be found on the
IRS web site at: www.irs.gov. In addition to
the right to representation, a taxpayer has the
right to privacy and confidentiality throughout
all phases of a tax audit—meaning the IRS
cannot disclose information given to them in
the course of an audit (except as allowed by
law.) Another taxpayer right is the responsibility of paying only the correct amount of
taxes due under the law—no more, no less.
Where payment of taxes may prove to be
financially burdensome, monthly installment
payments of taxes are a viable option.
WHAT CAN I DO IF I AM DISSATISFIED
WITH THE RESULT OF THE AUDIT?
Every taxpayer has the right to an appeal and
judicial review of his or her audit. Appeals
are first handled by the IRS Appeals Office,
where an Appeals Officer will make a full review of your audit. Many times an Appeals
Officer will be open to settling the case. If not,
your case may be litigated and brought before
the U.S. Tax Court, the U.S. District Court,
or the U.S. Court of Claims. Deciding which
court to bring your case before is usually best
determined by experienced tax counsel and
is based upon a number of issues, including
which court might be most “taxpayer friendly” on the issues in your case.
DISCLAIMER: This discussion is general in nature
and is not intended to and does not create an attorney/client relationship. This discussion should in no
manner be relied upon nor construed as legal advice,
particularly since most legal outcomes are highly depended on the facts of a particular case or situation.
This discussion is provided on the condition that it
cannot be referred to or quoted in any legal proceeding. The reader is strongly urged to consult with a
lawyer for legal advice and with a financial advisor for
financial advice on these matters
business section
BY MIKE GARCIA
is Just One Key to Business Success!
For anybody looking to establish a small or medium-sized business and
stay successful, there are some important keys to getting off on the
right foot and maintaining a successful business. Having the right financial tools is key to their success, according to Tim Rios, Senior Vice
President and Community Development Manager and National Spokesperson of the Latino Business Services Program for Wells Fargo.
“Financing and access to capital are a few of the biggest challenges,” said
Rios. “You need to have a clear business plan and I would suggest visiting the local Small Business Development Center, Sacramento Hispanic
Chamber of Commerce and other chambers of commerce.” he said.
Rios pointed out that when it comes to
access to capital, some aspiring business
owners choose to get business loans, while
others decide to access a home equity line
of credit. Another avenue for aspiring small
or medium-sized business owners is to
charge a large portion of the startup costs
to their credit cards.
“Maxing out credit cards is usually not the
best option,” said Rios. “You may be offered an attractive, low interest rate initially,
but it is a reality check when the interest
rate suddenly goes up, especially when it
rises to 15, 25 or even 28 percent.”
It is recommended that people seeking to
start a small or medium-sized business do
the following: visit a local bank with a track
record of helping small business owners;
seek the help of a banker who can provide
some personal attention; and visit a Small
Business Administration (SBA) office to
review its loan programs. There are also
some financial organizations that offer micro-loans, which can be helpful.
“Taking out a home equity loan of $100,000
or $200,000 is a popular practice and can
be a good option,” according to Rios, “as
the interest tends to be lower.” He pointed
out that some chambers and their financial
partners are willing to make concessions for
people with limited incomes and limited access to capital.
Having enough money to get started and
stay afloat is an important first step for
any aspiring small or medium-sized business owner. Having a good marketing and
outreach plan is also an important key to
survival.
“Having an appropriate infrastructure is an
important starting point,” said Rios, “but
getting off to a good start is the most important thing.”
Whether applying for a small business loan,
seeking payroll assistance, looking into investments or planning for retirement, it is
important to find a financial institution that
will be available and accessible to meet
your needs.
“Wells Fargo is the largest lender to small
business in the country and we are always
right there with them,” said Rios. “We grow
with them, and our bankers are always available to them and right by their side. It is important to find a bank and banker you know
and trust and have that person keep track
of your finances to help meet your needs.
That’s what we at Wells Fargo concentrate
on. Developing a good rapport with our
small and medium-sized business clients
allows us to have a relationship with businesses that really have the same goals we
do. Their success is our success.”
One of the advantages that smaller-sized
businesses have over large business, according to Rios, is that they are able to
grow more easily. Rios also pointed out that
a small business owner needs to be active,
alert and “in the game,” meaning figuring
out who their customers are and which new
customers they can target, as well as what
their niche is.
If the business provides a service, it is important to get out and network. Becoming
a member of a chamber of commerce and
local business and community organizations
is a good way to network and get the business in front of potential customers.
“Get out and get noticed” is the way Rios
put it. “Small and medium-sized business
owners need to be proactive by networking with industry leaders and other people
who do the same thing,” said Rios. “Join a
chamber of commerce, network, and give
out business cards. Networking and keeping connections are important to survival.”
Positive testimonials are also helpful to the
success of a small or medium-sized business. If people can talk about good experiences with your business, you need to make
that known. Marketing positive testimonials
to potential customers can be a key to your
businesses growth and prosperity.
Rios pointed out that it is important to keep
people in mind, and that a good owner of
a small or medium-sized business needs to
be able to hire and retain good employees.
people and bring more jobs. Thus, the whole
country will benefit.”
Rios said that for aspiring Latino small and
medium-sized business owners, Wells Fargo has Spanish-speaking staff and 24-hour
banking, which includes access to customer
service via telephone, ATM, the Internet or
in person at a Wells Fargo bank branch.
“We know small business owners are busy,”
said Rios. “For example, for a $100,000
loan, we have a simple on-page application
that takes minimal time to fill out and send
in. It’s a very simple, convenient process.”
The outlook for small and medium-sized
business owners looks promising.
According to a recent Gallup Organization/
Wells Fargo survey cited by Rios, 71 percent of small business owners ranked their
financial situation “very good” or “good”
and 65 percent in the Third Quarter of
2005 said their cash flow was “very good”
or “good.” Having a good cash flow can
keep the business going, leading to more
customers and increased profitability. When
Latinos are very resilient and optimistic about the future...they are feeling
very confident about the economy...
Maintaining a good cash flow is also important for small and medium-sized business owners. “It is important that small
and medium-sized business owners have a
line of credit or some capital stored away
somewhere,” said Rios. “You want to have
money to carry the business through that
period where you are waiting for cash flow.
Without cash, the lights can’t stay on.”
Rios pointed out that with Latinos being the
fastest growing ethnic group, it is important
to target and help them. “We have found
that Latinos are very resilient and optimistic
about the future,” he said. “They are feeling
very confident about the economy. A bank
like ours needs to target Latinos and aspiring small and medium-sized business owners, partner with them to help accomplish
their financial goals, and meet their financial
and business needs. More than 75 percent
of businesses in the nation are small businesses and they contribute greatly to our
economy. As they grow, they employ more
a business owner is staying profitable, their
satisfaction level stays up and they and their
customers are more likely to remain very
happy.
“Wells Fargo’s loans to smaller business
owners are $25,000 to $35,000 on average,” said Rios. “One might say that these
loans are the fabric of small businesses. It
tells us that we are helping the small business person and making a positive difference for those who represent the majority
of businesses in the nation.”
MIKE GARCIA is Sacramento office manager
and Senior Account Executive for Desmond
McLeish, Inc., a full-service public relations firm
with offices in Sacramento, Corona and Costa
Mesa. Garcia can be reached at (916) 446-6831
or [email protected].
business section
new
tax laws
J A N R O S AT I , PA R T N E R
that affect your business in 2006
The tax laws in 2006 bring some changes for
most taxpayers. Following is a sampling of
the most important changes for businesses
beginning in 2006. This is just a brief summary of the changes; when dealing with any
tax issues, it’s always a good idea to consult
your tax advisor.
ergy-efficient home that a person acquires
for use as a residence from the contractor
during 2006 and 2007. An eligible contractor
is a person who constructs a new energyefficient home, or a manufacturer that produces a qualified new energy-efficient manufactured home.
DEPRECIATION
AND SECTION 179 EXPENSE
BUSINESS SOLAR INVESTMENT
TAX CREDIT
The maximum section 179 deduction you
can elect for property you placed in service in
2006 is increased to $108,000 for quali¬fied
section 179 property. This limit is reduced by
the amount by which the cost of section 179
property placed in service during the tax year
exceeds $430,000.
The business investment credit for solar energy property is increased from 10 percent
to 30 percent. The increased credit applies
to (1) equipment which uses solar energy to
generate electricity, to heat or cool (or provide
hot water for use in) a structure, or to provide
solar process heat, and (2) equipment which
uses solar energy to illuminate the inside of a
structure using fiber-optic distributed sunlight.
STANDARD MILEAGE RATE
For 2006, the standard mileage rate for
the cost of operating your car, van, pickup, or panel truck for your business decreases to 44.5 cents a mile for all business miles driven.
DEDUCTION FOR ENERGY-EFFICIENT
COMMERCIAL PROPERTY
Taxpayers may claim a deduction for costs
associated with an energy-efficient commercial building placed in service after 2005
and before 2008. The maximum deduction is
$1.80 per square foot of the building, less
any prior year deductions.
HOMEBUILDER’S CREDIT
FOR NEW ENERGY-EFFICIENT HOMES
An eligible contractor may claim a tax credit
of $1,000 or $2,000 for a qualified new en-
14
S A C R A M E N T O
CREDIT FOR QUALIFIED
FUEL CELL PROPERTY/STATIONARY
MICROTURBINES
Energy property includes qualified fuel cell
property and stationary microturbine property for purposes of the business energy
credit. The credit is 30 percent of the basis
of qualified fuel cell property placed in service during the tax year. The energy credit for
any qualified fuel cell property cannot exceed
$500 for each 0.5 kilowatt of capacity.
NEW CREDIT FOR MANUFACTURING
ENERGY EFFICIENT APPLIANCES
The Energy Tax Incentives Act of 2005 adds
a new credit for the manufacture of energyefficient appliances, such as dishwashers,
clothes washers and refrigerators. The credit
is a part of the general business credit.
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INCREASED RETIREMENT
CONTRIBUTION LIMITS
The changes for 2006 are as follows:
• The maximum 401(k) and 403(b) employee contribution increases to $15,000
• Taxpayers who are at least age 50 before
the end of 2006 can increase their contribution limits by the following amounts for
the following plans (called the catch-up
contribution limit):
· An additional $5,000 for 401(k),
403(b), salary reduction SEP plans,
and 457 plans
· An additional $2,500 for SIMPLE plans
· An additional $1,000 for IRAs (both
traditional and Roth IRAs)
HIGHER INCOME LIMITS FOR DEDUCTIBLE IRAS
If you are covered by a retirement plan at
work, you can take an IRA deduction if your
modified adjusted gross income is less than
$85,000 (married filing jointly) or $60,000
(single or head of household).
NEW CREDIT FOR PURCHASE OF NEW
ENERGY EFFICIENT VEHICLES
Beginning in 2006, the purchase of qualifying
vehicles will allow you to claim a tax credit.
This replaces the Clean Fuel Deduction,
which expired at the end of 2005. A credit
is available for a variety of alternative fuel
vehicles. New hybrid vehicles are eligible for
a tax credit up to $3,400, depending on the
fuel-efficiency of the vehicle. This credit is
limited, however, to the first 60,000 vehicles
sold after 1/1/06 per auto manufacturer.
business section
personal financial and tax advisors about
whether tax-advantaged investments may
be suitable for you.
New Year
Investment
Resolutions
You Can Follow All Year Long
MANUEL PROVEDOR, FINANCIAL ADVISOR
Here are a few New Year resolutions that
are easier to stick with than many of the
traditional January vows. You do not have
to overcome big obstacles to follow these
tenets of investing, just develop a few
good habits.
RE-EVALUATE YOUR PORTFOLIO
Analyze your portfolio holdings considering
your investment objectives, time horizons
and life stage. If you have invested heavily in
stocks and are approaching retirement age,
you may want to consider reallocating a portion of your portfolio into high-quality bonds.
Their long-term return potential may not be
as high as stocks, but neither is their shortterm volatility. As you get closer to the time
when you will need these assets, you may
want to consider shifting to more conservative investment vehicles to help reduce risk.
TAKE THE LONG-TERM VIEW
Consider the quality of a company before
you invest and research its track record
over five to10 years. Resist judging an investment solely by last year’s return—past
performance is no guarantee of future results. A good investment can have an off
year and still provide outstanding returns
over the long term.
16
S A C R A M E N T O
INVEST IN A BLEND OF SECURITIES
One time-tested way to help reduce risk in
a portfolio is to diversify. That means holding a mix of stocks, bonds and cash-equivalent instruments from a variety of issuers.
Younger, conservative investors who want
to invest in stocks for long-term growth
may want to consider investing a portion of
their portfolio in corporate and government
bonds. Investors of retirement age should
keep in mind that inflation could erode the
returns on short-term securities. Maintaining at least a minority portion of a portfolio
in equities could improve the chances of
keeping total return (yield plus capital gains)
ahead of inflation.
KEEP AN EMERGENCY FUND
Be prepared for unexpected cash needs:
emergency medical bills, child care, home
repairs and living expenses in case of a sudden job loss. Always keep a portion of your
portfolio liquid.
WATCH FOR TAX DEVELOPMENTS
The amount you keep after taxes is the most
accurate measure of your investment’s performance. Your tax bracket, investment
objective and changes in tax codes could
make changing your investment strategy
worthwhile. Consider speaking with your
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LEAVE A LEGACY
In today’s environment, it may be a good
idea to consider investment strategies that
allow you to leave an estate for your children, grandchildren, other heirs or a favorite
charity as part of your overall financial plan.
Such plans may not require as much updating as altering your investment objectives.
A conversation with your tax and financial
advisors could help your beneficiaries eliminate probate (a lengthy procedure whereby
a court handles distribution of assets not
designated to a beneficiary) and other estate planning issues.
SAVE TIME AND MONEY
Take advantage of the services offered by
your brokerage firm. You could save yourself the trouble of delivering stocks and
bonds to your financial consultant each time
you’re ready to sell an investment by having your securities held in the firm’s street
name. When you’re ready to sell, just call
your financial consultant. Or, consider consolidating your banking and investments
into a central financial brokerage account.
You may be able to manage all your investing, savings, borrowing and spending in a
single account. And, some brokerage firms
may supply you with an ATM card for convenient access to your funds.
A financial plan that includes the above, periodically monitored with the help of your financial consultant could help make keeping your
financial resolutions painless.
MANUEL PROVEDOR is a Financial Advisor
with Smith Barney located in Sacramento and
may be reached at 916-567-2034. Manuel
helps his clients achieve their financial goals,
such as retirement planning and education
planning, by providing personalized investment solutions geared at long term growth.
This article is based, in whole or in part, on information provided by the Sales & Marketing Communications Department
of Smith Barney.
IRS Circular 230 Disclosure: Citigroup, Inc., its affiliates, and its
employees are not in the business of providing tax or legal advice.
These materials and any tax-related statements are not intended
or written to be used, and cannot be used or relied upon, by any
such taxpayer for the purpose of avoiding tax penalties. Tax-related
statements, if any, may have been written in connection with the
“promotion or marketing” of the transaction(s) or matter(s) addressed by these materials, to the extent allowed by applicable law.
Any such taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor.
JOSE M. RAMIREZ, M.D.
“We are a Family
Medical Clinic
dedicated to
meeting the needs
of our under served
community.”
Board Certified Family Practice
Licensed Civil Surgeon
Immigration Physicals and
Medical Services
7600 Hospital Drive, Suite H
Phone: 916.689.6160
Fax: 916.689.3711
Visit us online at
www.immigrationexam.com
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al punto...to the point
poor planning
could lead to
unfortunate results
N O R M A A N D R A D E , F I N A N C I A L C O N S U LT A N T, A . G . E D W A R D S & S O N S
Married at the young age of 20 and raised by parents who endured
the Great Depression, Mr. and Mrs. Smith lived a frugal life. They
worked hard, saved a lot and shared many life sacrifices preventing
them from realizing their dreams. After 48 years of marriage, they
realized their bank account was bigger than they ever imagined and
thought it was perhaps time to set up a trust, retire and enjoy a little
traveling. Unfortunately, Mrs. Smith did not get to enjoy any of theses things; she passed away one year later. Not only did Mr. Smith
not get to realize his dreams with his wife of 48 years, but he was
now left with an estate of over three million dollars and no trust.
Mr. Smith, a fictitious name to protect my client’s identity, was referred to me in 2002 by an existing client. After learning about Mr.
Smith’s experience, I was astonished to find out that he had actually
been working with a Financial Consultant for 25 years and not once
did that “consultant” mention that perhaps Mr. Smith should speak
to an attorney about estate planning. Even more surprising was that
a strategic financial plan was never developed to outline the goals of
Mr. and Mrs. Smith. Their desire to retire, travel and develop a trust
was a conversation the Financial Consultant should have had with Mr.
and Mrs. Smith during their first appointment.
Needless to say, I have worked with Mr. Smith since 2002 and we
have had to work aggressively and diligently with his attorney and
certified public accountant to make certain Mr. Smith’s life savings do
what he and his wife intended them to do; avoid giving up 50% of his
family’s estate to unwelcome guests.
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Over the last five years as a Financial Consultant, I have worked with
many families, business owners and key corporate executives. Each
of them have shared different life experiences, amassed their wealth
with varying efforts, and have determined different life goals. What
is not different is that they all seemed to have their goals fall into the
same three categories; health, relationships and money.
Through my personal life experiences and in learning from the life experiences of my family, clients, friends and colleagues, it is truly clear
there is no bigger business in life than life itself and money is simply
the tool which allows us to fund it.
“Al Punto...To the Point...” will be a source of ongoing articles designed to provide you with ideas that will help minimize your investment and business losses, in an effort to help you build, protect and
transfer your wealth. Because that’s the point...for your hard-earned
dollar to work towards funding your business of life.
NORMA ANDRADE is a Financial Consultant with A.G. Edwards &
Sons and specializes in estate planning and business planning. Ms.
Andrade can be reached at 916-927-4444 or via email at norma.
[email protected]. Ms. Andrade welcomes any inquiries you
may have concerning your estate.
J A N / F E B
I S S U E
J O S E P H A R L O T T O , P E R S O N A L B A N K E R & M AT T H E W C H R I S T L , B U S I N E S S S P E C I A L I S T
Let’s face it: without your employees, your business might not be as
successful as it is. As a small business owner, you’ll soon realize that
the satisfaction of your employees will have a direct impact on the
success of your business.
For inquiries on how Wells Fargo can best meet these needs please
contact Matthew Christl, Business Specialist @ (916) 498-3269 and
Joseph Arlotto, Personal Banker @ (916) 440-4331 for all your special employee benefits.
Direct Deposit allows the continued support of all aspects of your
present payroll, while extending advantages not otherwise available.
Save time in processing payroll checks and save money by allotting
less of your time to the payroll process. Set yourself ahead of your
competitor by offering features that level the playing field regardless
of the size of the company.
Impress your employees with a feature that will allow them to have
peace of mind in knowing their check is available without any action
on their part. Set them at ease in the knowledge that transaction
information will still be available to them in paper form and/or email, if
they so desire. Make them feel valued, knowing that special account
services not typically offered to the general public will be made available to them with your direct business relationship.
When your employees’ paychecks are deposited electronically, the
funds become available to them immediately. A growing number of
people are embracing the electronic age and, as a business owner,
you can meet demand for immediacy of funds and convenience with
Direct Deposit.
You work hard to compete in the market, so consider taking the time
to utilize services readily available, services that will significantly impact the hours and expenditures allotted to payroll checks. The Direct
Deposit system can be as smooth and profitable as that trusted ATM
processor on your counter or that computer on your desk, backed
with the security and professionalism of your banking institution.
So invest in your business. Inquire as to how Direct Deposit can be
activated today. Obtain the facts and decide.
Your financial services company also might open personal accounts
for your employees and, perhaps because your business account exists with that same company, it may offer your employees more competitive interest rates and other account benefits. Your awareness
of Direct Deposit and other checking account options is yet another
way help your employees succeed financially.
J A N / F E B
I S S U E
|
S A C R A M E N T O
H I S P A N I C
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Sacramento Hispanic Business Magazine is a bi-monthly publication that is distributed to individuals, small businesses, medium-size businesses, non-profits, corporations and government agencies throughout California. As an added bonus the
magazine is available in print and online on the SHCC web site
at www.sachcc.org
Interested in receiving three complementary
issues of the Magazine?
Visit our website to see our work
www.kandcalwaysconcrete.com
Office: 916.752.6676
Fax: 916.331.5381
Email: [email protected]
Sacramento Hispanic Business Magazine is a business-focused magazine dedicated to educating and informing the
community about issues that affect the Hispanic business
community in and around the Sacramento area.
Lic. 845977
If so, visit us online at www.sachcc.org and click on the SH
Business Magazine link. In that section you can find out how
to subscribe online.
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cover story
As we continue to highlight the best
of Sacramento’s Hispanic business
and culture, this month we focus
on our picks for the best of 2005 in
the following categories:
BY KAREN MCCORD
•
•
•
•
•
Businessman
Businesswoman
Corporate Advocate
Non-profit Organization
Volunteer
Here are some insights into our winners
and our winning organizations:
BUSINESS WOMAN OF THE YEAR:
WINNIE COMSTOCK-CARLSON.
Q: What type of impact have you
seen on your business and career
through your involvement with Hispanic Chamber?
A: Comstock’s became involved with the
Hispanic Chamber over nine years ago
when Advertising Manager Valerie Reynoso
joined our team. Like me, she felt that our
publication needed to expand its horizons
into both the minority and local chambers
of commerce throughout the region. As she
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S A C R A M E N T O
had been involved in the Hispanic Chamber
during her years serving two prior governors, it was a natural fit for the publication.
Through the years, we have seen the Sacramento Hispanic Chamber grow into one of
the largest minority chambers in the State
of California. How exciting! Several of our
advertisers and personal friends of the magazine are committed to their charge of advocating for and promoting Hispanic owned
businesses throughout California’s Capital
Region through chamber membership. I am
honored that some of its key members are
members of the Comstock’s family of advertisers. We have covered a myriad of Hispanic
events in our RSVP pages and several cover
stories have focused on some of the Chamber members and their successful business
endeavors. Coming to mind immediately
are cover stories on Amador Bustos in his
early days with Z Spanish Radio, and Randy
Reynoso, president and CEO of Sacramento
Commercial and Placer Sierra banks. I love
the cover story we ran on Dr. Alex Gonzales,
president of CSUS. An international banking story featured Jesus Fernandez on the
cover. And who could forget perhaps our
youngest cover subject, successful restaurateur and caterer, Griselda Barajas, whose
honors have included businesswoman of
the year for the California Chamber of Commerce. Her family-run business and support
of young people continues to be a point of
admiration with me and others.
H I S P A N I C
|
J A N / F E B
I S S U E
Being a member of the Hispanic Chamber
has broadened the horizons of Comstock’s
in many ways. We have celebrated your victories and will continue to celebrate our partnership with you in the years to come.
Q: Advice for new business owners?
A: The same as that given by Winston
Churchill ... “Never, never, never, never give
up.” If you want something badly enough you
can have it. You must be willing to pay the
price, you must always look at the glass as
half full (not half empty), you must put on the
blinders to all negative commentary around
you and go for it!
Q: What are your plans for your business in 2006?
A: 2005 was the most successful year
in the 17-year history of Comstock’s. We
had our greatest number of goals accomplished in 2005, including a BPA Worldwide
Circulation Audit, a new demographic survey conducted by JD Franz Research, all
new computers and upgraded technology
throughout the company, a highly visible
marketing campaign, new media materials,
a complete redesign of our magazine, several staff changes and additions, and a better editorial product overall. Our revenues
are up dramatically and we move into 2006
in our best position ever. In the new year,
our goals are to put all of these improvements to work for us to increase sales
and further increase visibility of our stellar
publication. We also have a goal to both improve our visibility in the Hispanic business
community, and to effectively market to that
business community.
Q: How do you juggle your business
activities with your personal life?
A: History has shown that, for me, being focused on my company’s survival and success
was a 16+ hour a day, seven days a week job.
This resulted in paying the high price of not
having a personal life to speak of. When my
husband passed away in 2001 of cancer from
Agent Orange exposure, I survived his loss
by working even harder. Today, however, I’ve
made it a lifestyle choice to exercise every
morning with power walks and mini-climbs,
to calendar a racquetball game every week,
to plan outdoor hikes and mountain climbs
on weekends, to watch a fun movie at least
once a week (only comedy and light drama for
me), and to spent time every night reading the
Bible and practicing my faith. So, I’ve juggled
by calendaring the activities that I want and
need in my life. This month I become a grandmother for the first time. I have a beautiful
32-year-old daughter, Carmel, who was married this past May to a wonderful man (Tim
Carmichael, president of California’s Coalition
for Clean Air). With a new baby in the family,
no doubt other adjustments will take place in
my life. My current secret to success and ability to better juggle my life is having an incredibly talented team of professionals working at
the magazine. Each one brings with them a
huge amount of talent, personality, charm and
commitment. No question, we have a Dream
Team if ever there existed one. I’d put them up
against any staff, any time, anywhere.
OUR WINNER FOR BUSINESSMAN
OF THE YEAR IS ROD WONG
CORPORATE ADVOCATE OF THE
YEAR: UNION BANK OF CALIFORNIA,
Rod Wong is the CEO of American Capitol
Financial Services, one of the fastest growing companies in the nation, according to
the INC 500 magazine survey. In 2005, his
company was further honored by Southwest
spirit magazine as one of the “Top 10 Most
Dependable Mortgage Companies in California. These are only two examples of the
recognition his company receives from the
business world. Rod makes an equally impressive impact in the community. He takes
social responsibility very seriously and gives
back by making it a point to hiring bilingual
agents. In fact, approximately 75 percent of
his employees are Hispanic! He and his staff
achieve great professional satisfaction from
knowing that they are helping people achieve
the American dream.
Q: How does your organization benefit the community?
Q: If you could narrow it down to
one factor, what would you say is
the single most important factor in
your success?
SENIOR VICE PRESIDENT MARIA GALLO
A: Union Bank of California has worked
hard over the years to support the communities we serve. As a company, we believe
in helping our customers, prospects and the
general public gain access to economic opportunities and advancement. We do this by
investing in the communities in which we operate. We invest up to 6.5% of assets in our
communities, primarily for community development, affordable housing and education. In
2005, the bank invested more than $3 billion
in neighborhoods we serve.
Included in that 6.5% are contributions by the
Union Bank of California Foundation, amounting to 2% of net income – about $10 million
last year. This is the highest percentage of
net income given by any bank in California
and among the highest by any publicly traded
company in the western United States. Since
1996, the Union Bank of California Foundation has donated more than 80 million dollars
to non-profit organizations statewide.
We take pride in our diversity. In 1999, Union
Bank of California was ranked as the number one employer of minorities, according to
Fortune magazine’s annual list of “America’s
50 Best Companies for the Employment of
Minorities.” Today, 56% of our employees
are minorities; giving us Fortune’s ranking as
the number one bank for the employment of
minorities for six consecutive years.
A. By far, God’s involvement in my life is
the single most important factor. He’s my
strength, my life and my purpose. And second to that, being willing to work hard and
“never, never, never, never give up,” no matter what the circumstance.
J A N / F E B
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cover story
VOLUNTEER OF THE YEAR:
MICHELE VALENCIA
Q: What aspect of your personal
and/or professional background led
you to volunteering?
A: My profession is sales and I’ve handled
staffing and insurance. However, my passion is networking – putting people together
where they can be benefit themselves and
those around them. When I was in high
school, I started volunteering at the local
blood bank. I have always looked for opportunities to volunteer.
Q: Why do you feel volunteering is
important?
A: I truly believe that volunteers make the
world go ‘round! I want to prove to others
that it’s not all about your bottom line. We
have to give more of ourselves than is expected.
Q: How do you balance your volunteer activities with your personal
and professional life?
A: One word: balance! It’s one big mix and
knowing how to calendar. There is a crossover between people at work that I can help
in other areas and vice versa.
Q: How do you benefit from volunteering?
A: I like to make people feel that they are
a part of something. It’s the bigger picture
that matters. I could leave this life a pauper
and be happy with what I’ve done to help the
world around me.
Q: Any New Years resolutions?
NON-PROFIT ORGANIZATION
OF THE YEAR: YOLO COUNTY HOUSING AUTHORITY, EXECUTIVE DIRECTOR
DAVID SERENA
Q: How does your organization benefit the community?
A: The Yolo County Housing Authority benefits the community by providing affordable
housing to low income residents of Yolo
County. We operate three Migrant Centers,
composed of 230 housing units, that are
rented at below market rate to individuals and
families that work in the agricultural industry.
We also provide additional support services
to all residents and their families. At six of
our major sites we provide after school computer classes and other recreational sports.
The Woodland site, through a partnership
with the City of Woodland, provides not only
a boxing center with a coach, but football and
soccer support to many of our youth. In addition to housing and recreational supportive
services, we also provide academic support.
Over the last seven years we have raised
more than $150,000 to provide scholarships
to assist young residents with their college
costs. These scholarships are not restricted
and have been awarded to many single female heads of household, who are returning
to or starting school themselves.
We also have several economic development programs focused on our residents.
We have a micro enterprise program that
provides training and leadership in the development of a business plan to residents of the
housing authority. Through the purchase of a
four acre site, we have become a business
incubator for several Hispanic businesses.
A: To make 2006 better than 2005 – and I’m
already on my way!
24
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H I S P A N I C
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J A N / F E B
I S S U E
Q: How does your involvement with
the Hispanic Chamber benefit your
organization’s activities?
A: The Yolo County Housing Authority has
benefited from the Sacramento Hispanic
Chamber through a variety of ways. Through
the leadership of Dr. Jose Ramirez and several other members, who at one time were
residents of the Yolo County Housing Authority, the Chamber membership has raised
over $10,000 to assist our residents with our
scholarship program. We are able to advertise many of our events to the Sacramento
Hispanic Chamber of Commerce membership. During the last five years we have attended many Chamber events and built good
business relationships.
Q: Any New Year’s resolutions?
A: We will continue to focus our resources
on developing new affordable housing and
economic development activities that will lead
us to economic self-sufficiency. We will build
closer ties and expand our partnerships to
other businesses throughout Yolo and Sacramento Counties. Additionally, we will increase
our visibility and involvement in statewide business and economic development activities.
Congratulations to all of our “Best of 2005”
for their continued contributions to our
community!
KAREN MCCORD is the owner of Hill McCord Communication, LLC. Services include
creating, writing, editing and designing both
web and print-based marketing and business
collateral. For more information, please contact her at [email protected]
THE BEST WAY TO TARGET THE
HISPANIC COMMUNITY!
SACRAMENTO COUNTY • SOLANO COUNTY • SAN JUANQUIN COUNTY • WOODLAND
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special features
identity theft
...the crime of the century
For a criminal, identity theft is a low-risk crime
with a potentially high payoff. Millions of
American become victims of this crime every
year, despite the measures they may take to
protect themselves. Even when individuals
shred every financial statement before discarding and are wise to “phishing schemes”
and con artist scams, they are still at risk for
identity fraud – and there’s nothing they can
do to stop it.
2) SOCIAL SECURITY – an identity thief
could use your social security number
for employment purposes and you could
get the tax bill
HOW DOES YOUR PERSONAL INFORMATION FALL INTO THE WRONG HANDS?
4) CRIMINAL IDENTITY – an identity thief
could use your information to escape
fines or jail time
Information about us is gathered and disseminated from the time we are born until
the day we pass away. Corporations, universities, insurance companies and financial
institutions collect personal information on
everyone with whom they do business. That
data is stored on computers and “secure”
servers where it becomes available to any
3) MEDICAL INFORMATION BUREAUan identity thief could use your personal
information to obtain prescriptions or
medical help which might reduce your
available benefits
5) FINANCIAL IDENTITY- an identity thief
could use your information to obtain
money, goods, or services leaving you
with the bill
More than 70% of identity theft occurrences
are non-credit related.
thief determined enough to take it. Current
law demands that individuals be notified if
their personal information is compromised.
However, by the time you get that letter in
the mail it may be too late.
MANY PEOPLE RELATE IDENTITY THEFT
TO JUST CREDIT CARD THEFT, BUT IN
FACT, IDENTITY THEFT ACTUALLY INVOLVES FIVE DIFFERENT AREAS:
1) DEPARTMENT OF MOTOR VEHICLES
– an identity thief could obtain a driver’s
license in your name and accumulate
traffic tickets in your name
26
S A C R A M E N T O
Whether you are an identity theft victim today
or at some time in the future- you will need:
• Access to legal counsel
• Ongoing credit monitoring
• Professional restoration
According to FTC, there was an increase of
79% reported in 2005 over 2004.
In future issues, we will give you more information on how every business is liable for
the personal information of their customers’,
H I S P A N I C
|
J A N / F E B
I S S U E
There is no way to prevent Identity Theft
from occurring, however, there are ways to
minimize your risk and protect the most valuable asset you have…your good name.
Please send me an e-mail to receive your
FREE COPY of our CD & DVD, Crime of
the Century, to learn of ways you can significantly reduce your chances of becoming a victim.
PERCENTAGE OF COMPLAINTS IN 2004
Credit-Card fraud
28%
Other identity theft
22%
Phone or utilities fraud
19%
Bank fraud
18%
Employment related fraud
13%
Govt. Documents, benefits fraud
8%
Attempted ID theft
6%
Loan fraud
5%
NAHID VASSEF, Chair Sacramento His-
panic Magazine and Membership Committee
Independent Associate
Pre-Paid Legal Services Inc.
[email protected]
www.nahidmarketing.com
(916) 628-1889 Cell#
(866) 867-1221 VM
(FTC STATISTICS)
There is no way to prevent Identity
Theft from occurring, however, there
are ways to minimize your risk and
protect…your good name.
employees’ and vendors’ data. We’ll inform
you about the creation of FACTA ( the Fair
and Accurate Credit Transactions Act ) and
the types of state and federal fines for jeopardizing information and what steps you can
take to eliminate the risk to your business of
fines and law suits.
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shcc member press releases
XANGO PROUDLY ANNOUNCES
ITS GRAND OPENING IN MEXICO
BY CANDY WEBB, XANGO, LLC
XanGo, LLC is a three-year old, global company that introduced the
first mangosteen-based nutritional supplement to the health and nutrition industry. In just three short years, this world renowned, delicious,
fruit juice became the #1 selling nutritional product in the US market
with annual sales at $400 million! Now XanGo is poised to repeat that
unprecedented growth in Mexico!
The mangosteen fruit (no relation to mango) is grown in SouthEast Asia
and is renowned for his many medicinal properties as well as delicious
taste. With hundreds of years of folk medicine use and recent scientific
studies verifying the extensive health benefits, the mangosteen offers
an answer for many of today’s health challenges. Readers wanting
more information may go to http://www.jimandcandy.com or contact
Jim and Candy Webb at 916 408-3637. Literature is also available in
English and Spanish and can be requested at [email protected].
Actively seeking US and Mexico
Entrepreneurs to Expand Existing
Profitable Business in the Trillion
Dollar Health and Nutrition Industry.
Full Training, Support Available.
CALL JIM AND/OR CANDY WEBB
Members Sacramento Hispanic Chamber
866 408-3637 or 916 408-3637
For the last year and a half, XanGo has
been paving the way for a smooth introduction into Mexico, with all business materials, shipping, distribution, and banking
partnerships developed in conjunction with
the Mexican government. All is in readiness for business professionals looking
for a high value product and business on
both sides of the border! Jim and Candy
are members of the Sacramento Hispanic
Chamber of Commence and look forward
to providing you with a personal invitation
to the Grand Opening at the El Presidente
Intercontinental, Campos Eliseos, Ciudad
de Mexico in March, 2006.
ELEVATOR CONTROLS
TURNS “UNITED” INTO
EESF BENEFIT
Elevator Controls themed exhibit football
field raised $3,500 for the Elevator Escalator Safety Foundation at United in Toronto. This follows EC’s highly successful
“Play-to-Win” basketball-themed exhibit,
which “netted” $3000 for EESF safety
education programs year before.
EC made a $2.00 donation to EESF for
each attendee’s participation – the goal
was for attendees to pass a football
through a hole in the EC football player graphic high overhead – to support
safe ridership programs. As an added
bonus, each participant received a souvenir “Play-to-Win” mini-football to take
home.
Fernando says EC’s football field in Toronto will combined fun, a good cause,
and good business. “We were happy
to recognize and support the work of
the Safety Foundation while attracting a
crowd to show off our new products.”
Members of the EC sales team were
on hand to introduce the new 900 Series controllers – a sure win for Contractors looking for “Higher Intelligence
Made Simple”.
IZABELLE PONCE SIMMONS
Feliz año nuevo. Let’s start the new year by
doing some housecleaning in our own offices. Because we spend so much time at
the office or workplace, it is essential to be
polite, have good manners and be considerate of coworkers’ time and space. There is
protocol that should be followed if you, the
employee, want to be promoted.
The receptionist and/or operator plays a very
important role in representing the company.
Every office should have a written telephone
policy on how to answer the phone. No one,
even the owner of the company, should answer the phone with a mere “hello.” Ideally, the operator should answer the phone,
“Good morning. Latin Media Network. How
may I help you?” A boss of the company can
answer the phone, “Roberto Espinoza,” but
never simply say “hello.” One should speak
clearly and avoid using slang such as “yeah”
or “uh-huh.” Do not put the caller on hold
for too long to try to make them feel less important or make them feel like you are too
busy for them. A good telephone message is
upbeat and articulate. If you, the executive,
have a visitor with an appointment in your office, have your secretary hold your calls. If
the visitor is unexpected, you may ask them
to wait outside while you take this important
call you are expecting, or you may simply
have the call transferred to a nearby office
where you can speak in private. If the unexpected visitor overstays and there is nothing
more to discuss, you can simply look at your
watch and say something like, “I’m sorry, but
I have another appointment in five minutes.
We’re going to have to wrap up our meeting.” You or the receptionist should always
escort the visitor back to the reception area.
• Work a full day.
• Call in sick only when you are sick.
• Use company perks only as intended to be
used.
• Tell coworkers you cannot lie for them or
back up their lie.
• Use the company letterhead only for business matters.
• Use office supplies only for office purposes.
• Be honest about your expense account.
• Make as few personal calls as possible.
(Nothing is more annoying when you are
the customer and the receptionist is ignoring you because they are on the phone on
a personal call.)
• Use the fax machine only for business
purposes.
The employer does his employees a favor by
having a policy and procedures handbook and
revising it annually. There should also be an
understanding of the dress code. If there is no
written dress code, follow the example of your
boss or a top executive. Ladies, do not wear
provocative clothing to the office. Save it for
the weekend and your personal life.
Office gossip is wrong, yet every company
has at least one person who loves “chisme.”
Remember, even if you just listen, you can be
categorized as gossiping. The best way to
stay safe and honest is to diplomatically tell
the gossipmonger, “I really don’t like talking
about other people.” and leave the room. You
can use the same exit strategy for coworkers
who spend too much time chit chatting. Let
them know you have a project you are working on and then stand up and leave the room.
IZABELLE PONCE SIMMONS is the owner of
Integrity and ethics are key elements to the
work environment and your personal success.
I will never forget when a former manager conveniently took the office Fed Ex pre-printed air
bills upon resigning, then tried to ship four
crates of wedding materials to Hawaii and got
caught! Integrity, decency and honesty are
essential at all levels in a company and must
flow equally between the employer and employee. Your career will guarantee to prosper
if you follow these rules:
J A N / F E B
I S S U E
|
Madam Izabelle’s School of Etiquette. She
teaches a six-week course at Woodland
Adult Education on Business Etiquette, Dining Etiquette, Dating Etiquette, The Cocktail
Party, Galas, Formal and Informal Dinners.
Ms. Ponce offers Business Etiquette Workshops – What your mother and H.R. don’t
teach you! - and in 2006 is venturing into
Children’s Tea Parties and Bridal Tea Parties.
For bookings call (530) 666-2424 or by email
[email protected].
S A C R A M E N T O
H I S P A N I C
29
special features
DEAR MEMBERS of the Sacramento
Hispanic Chamber of Commerce,
my dream of attending and graduating from one
of the most prestigious art schools in the world,
The Art Institute of CA at San Francisco.
It is with great pleasure I write this message to
you, the SHCC membership. For the past five
years, many of you have seen me grow with the
Chamber, having held the following positions;
Web Development Intern, IT Coordinator, Special Projects Coordinator, and finally Graphic
Designer/Consultant to the chamber and its
new staff.
In my role as Production Manager, I will be in
charge of the daily functions of the magazine,
i.e. advertising efforts, running the editorial
meetings, working with the writers, and last but
not least working with our designers and printer
Commerce Printing Services to help create a
magazine that is worthy of our readership.
I would like to personally thank Dennis Trinidad,
Stella Premo, and Diana Borroel for giving me
the opportunity to work with the Chamber and
its membership. I would also like to thank the
members of the SHCC who welcomed me
back from being away for the past two years.
Now that I have returned to Sacramento, one
of my biggest tasks is not only running my own
business, ValTek Enterprises, but also serving
as the Production Manager for the SHCC’s
own publication, Sacramento Hispanic Business Magazine. I know this role very well, as I
served as the Production Assistant from early
2002 to October 2003. In October 2003, I
stepped down from the editorial committee as
I prepared to leave for the Bay Area to pursue
Many of you may have noticed this issue of the
magazine is not the 16-page magazine you have
seen in the past few months. In fact, you may
have noticed many changes to this issue. Under
my leadership, along with the help of our Committee Chair, Nahid and our great editorial committee, I plan on taking this magazine not back to
where it once was, but rather ahead to the next
level. In the next year, you will see this magazine
go from its quarterly status to a bi-monthly magazine and then back to a 10-issue a year magazine
in 2007. You can also expect to see more articles
and more information on what is happening both
in your community and in your Chamber. You will
also be able to see each article in this magazine
and future issues on the SHCC website at www.
sachcc.org in the Sacramento Hispanic Section.
2006 is going to be a great year for the magazine and you should be part of it. I ask all members who have in the past or have not yet given
advertising a try, to consider not only advertising in your Chamber’s magazine, but contributing story ideas or maybe even articles. Maybe
you have advice on hiring great staff, or the
key to keeping up moral in the work place, or
maybe you know the best way to avoid an audit. Well if you do, then I want to hear from you
and so do your fellow members.
If you have any questions regarding the magazine, the Editorial Committee, advertising, magazine policies, or you just want to provide feedback, feel free to contact me at 916.968.7083
or by email at [email protected].
Thank you,
VALENTIN CARRILLO
PRODUCTION MANAGER
SACRAMENTO HISPANIC BUSINESS
MAGAZINE
“We are
committed
to exceeding
our clientsʼ
expectations.”
Benjamin F. Slater
Associate
For all your property and business solutions,
Bishop Powers, Inc. provides an unparalleled
depth of commercial real estate services.
Retail • Office • Industrial • Land • Investment
11290 Point East Drive, Suite 200 • Rancho Cordova, CA 95742
(916) 290-9251 • Fax (916) 852-5420
[email protected]
��
P U B L I C AT I O N S
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t 916.442.8100 µ f 916.448.2727
www.commerceprinting.com
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M A N UA L S
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AND MORE
Since the very beginning, our goal has been to produce quality
visual communications products that meet the specific needs
of our clients. That is why we have recently added an 8 color
press (28”x 40”) to our press room.
We work hard to remain at the top of our industry
to make sure you remain at the top of yours
Presorted Std.
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S E R V I C E S
PAID
Permit No. 535
Sacramento

thank you - Sacramento Hispanic Chamber of Commerce

Transcription

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