The Silver and Black Give Back Alameda Housing Rebounds
Transcription
The Silver and Black Give Back Alameda Housing Rebounds
J u ne/Ju l y 2009 Volu me 2, Nu mb er 3 From The Harbor Bay Club The Silver and Black Give Back Oakland Raiders Partner With Alameda Nonprofits Masters of Spine Arts Benefits of Chiropractic Care Alameda Housing Rebounds Low Prices Bring Eager Buyers LISA’S LETTER This Issue Of The Buzz Wow, summer is already just around the corner. As the weather warms up, it’s always exciting to see the activity at the Club build this time of year. The increased energy and anticipation are almost palpable. The kid’s summer camps are either full or filling up fast. Demand for weddings and other special events keeps the Clubhouse brimming with activity. Competition for tennis courts is increasing and the BBQ and pool area become the place to socialize and have fun. And new and longtime members look to step up their fitness routines so they can look their best in swimwear and summer attire. This past month, Spa Director Paulette Staats and a few of her staff enjoyed meeting many of you within the community when the Harbor Bay Club participated in the Chamber of Commerce Business Expo and Health Fair at the O’Club. There was a great turnout, and a lot of fun was had mingling with the wide variety of local businesses that participated in the event. Paulette and her staff gave out too many free chair massages to count and the food was awesome; it never hurts to be set up right next to La Pinata! Look for us in the coming months as the Club looks for more opportunities to participate in community events. We’re also excited to announce that the Club will be developing a new website in the coming months designed to enhance the club’s efforts to provide members and non-members alike a fluid resource for fitness and wellness content tailored to the unique quality of life we enjoy in Alameda. The website will include interactive blogs and access to resources designed to support the wellness needs of all ages and interests. Look for more updates as we approach the launch of the new site this summer. Speaking of wellness, we’re excited to share in this issue of The Buzz the preventative health benefits of chiropractic care. There are a lot of misconceptions At the Club, our main goal is to help people feel better, look better, live better and have fun doing it. and myths on the value of chiropractic care, and a lack of awareness of the role that chiropractic care plays not just in the remedial care of back and neck pain, but also in the long term prevention of more significant health problems. At the Club, our main goal is to help people THE ALAMEDA CIVIC LIGHT OPERA ANNOUNCES “HOPE FOR TOMMOROW” OF ALAMEDA AT HARBOR BAY CLUB Sunday, July 26th Tennis Whites vs Tennis Pinks ACLO wants to provde 1000 tickets to underprivileged children and their families to attend our production of Annie in 2009. With a generous contribution from Perforce, we have partnered with the Boys and Girls Club of Alameda, Alameda Family Services and Alameda Midway Shelter to extend this gift to families in need but we need your help to make it possible. GREAT THEATER CAN INSPIRE, EXCITE AND EDUCATE YOUNG CHILDREN AND REALLY GREAT THEATER CAN CHANGE THEIR LIVES. Help in the fight to eradicate breast cancer and increasing awareness of this life-threatening disease $20 – Harbor Bay Club Members $25 – Non Members LOG ONTO WWW.ACLO.COM FOR MORE INFORMATION For more information contact: Mike Bauer, Director of Tennis (510) 521-5414 ext. 126 2 June/July 2009 feel better, look better, live better and have fun doing it. There is a natural symbiotic relationship between exercise and chiropractic care in the overall formula for healthy living and longevity. We’re pleased to allow several local www.HarborBayClub.com (510) 521-5414 chiropractic doctors the opportunity to help set the record straight. Also in this issue of The Buzz, we’re excited to share the new community outreach efforts of the Oakland Raiders t h ro u g h t h e t e a m’s C o m m u n i t y Development and Fundraising Program. In a difficult economy, this program provides Alameda’s nonprofits another avenue to fundraise and have fun at a Raiders game. The Harbor Bay Club is proud to collaborate with the Raiders in raising community awareness for this effective and groundbreaking program. As always, we’d love to hear your feedback on The Buzz. Feel free to email me with your comments and suggestions at [email protected]. L i s a Fr a n z e l has been with Harbor Bay Club for over 13 years, serving as Membership Representative, Marketing Director, and Assistant Manager before taking over the General Manager position in 1999. Her philosophy is to live life, including your passions, in as much balance as possible while making an effort each day to contribute to your mental, physical, emotional and spiritual health. Content PEOPLE SPOTLIGHTS 04 Kara Satra 05 John Fassel 08 Mary Patrick Kavanaugh 09 Leslie Rose 12 Lacey Parodi Features 06 Spine Arts Chiropractors dispel myths and discuss the long-term benefits of chiropractic care 10 Back in Black 10 Raiders prepare for 2009 campaign, extend partnerships with local organizations Club Pages June/July 2009 Volume 2, Number 3 Published by Harbor Bay Club General Manager, Lisa Franzel Marketing Manager, Kerri Lonergan Managing Editor, Joel Williams Editor, Patrick Runkle Graphics & Production, Francisco Arreola STAFF PHOTOGRAPHER Kerri Lonergan STAFF WRITERS Mike Bauer Erin Brown Linda Gilchrist Leslie McGraw Paulette Staats Kerri Lonergan FEATURED WRITERS Dennis Pagones Peter Holmes Michelle Trippi Debra Costner PEOPLE SPOTLIGHTS Lisa Franzel Kirk Cowan Harbor Bay Club 200 Packet Landing Road Alameda, CA 94502 (510) 521-5414 www.harborbayclub.com 04 Fitness Pilates With Props 05 08 Aquatics Why Do We Swim? 6 The Spa Sun Protection and Your Family 09 Tennis A Special Olympics Story 16 17 HBC Team News Club Events 15 19 Mortgate Matters Community Events Columns 02 12 14 Lisa’s Letter Kids Corner Real Estate Update Buyers Return to Market On the Cover Oakland Raider starting cornerback Chris Johnson can’t resist a smile as he is surrounded by local youth and representatives of organizations who have teamed up with the Raiders to raise funds for their respective programs. Adults and local nonprofits represented in the photo include the Alameda Boys & Girls Club (Marc Morales), Kiwanis Club of Alameda (Richard Kim and Scott MacAskill), Alameda Education Foundation (Bill Sonneman), Alameda Pirates youth football, and the Harbor Bay Club youth programs. Cover Photo by Tony Gonzalez www.HarborBayClub.com (510) 521-5414 June/July 2009 3 MIND - BODY / FITNESS Fitness Center News Boot Camp is Back! Join Certified Personal Trainer Suzanne Fong for this four-week series beginning in July and held on Monday, Wednesday and Friday mornings at 6 a.m. Check the information board for details or contact Leslie McGraw at ext. 119. Teen Safe Lifter If you are a teenager aged 14-17, remember to get your free safe lifter card before working out in the fitness center. You will meet with a trainer who will go over the guidelines for using the fitness center and show you appropriate exercise form to help you accomplish your goals. Contact Leslie to set up this free appointment. Group Exercise Pilates with Props Enjoy the benefits of Pilates in a group exercise-inspired format. Pilates with Props is a unique class that is open to all students, no prior Pilates experience needed. Certified Pilates Mat instructor Evangeline Fitzpatrick leads students through a challenging, Pilates-inspired workout. In Pilates with Props, students use foam rollers, Pilates Magic Circles and resistance bands to get a strength-building, shapeenhancing workout. Exercises are based upon Pilates movements and principles, with the addition of props to make exercises fun and more challenging. Exercises on the foam roller will challenge your stability to engage and strengthen your core. The Magic Circle can help to strengthen and sculpt your inner thighs, glutes and abdominals. When resistance bands are added to simple Pilates-based exercises they become a whole-body workout—strengthening upper body or legs while working the deep abdominals. Join Evangeline in Pilates with Props every Thursday at 5:30 p.m. in the Sky Studio, and come prepared for a great workout. Beginning in June, check out these new classes Mondays at 6:30 p.m., Cardio Blast with Amy. This class involves multiple cardio segments using stability balls, steps, gliding discs and more. There’s a little bit of everything from kickboxing to high impact aerobics. Tuesdays at 5:30 p.m., Balletone with Noel. Balletone is a ballet-based energizing low-impact fitness workout. It combines a unique blend of strength and flexibility movements. Class is done barefoot or in ballet shoes and no previous ballet experience is necessary. Aqua Challenge is here on Wednesday evenings through October. Class is held at 6:30 p.m. with Jacquey. This is a more vigorous version of our popular Aqua Aerobics classes. Aqua Challenge is meant to take your fitness to the next level. Cardiovascular work is followed by strength training with noodles and bells. All fitness levels are welcome! Magic Moves The Push-up. It’s a great full-body exercise. Don’t let it scare you. And yes, everyone can do it! Here’s how: Kneeling on the floor, place your hands wider than shoulder width apart. Extend your legs and rest on the balls of your feet. Bend at the elbows until your chest is two inches off the ground. Press your hands into the floor and push yourself back to the start position. Here are some tricks: In the down position, make sure your elbows are over your wrists and your arms are at chest level, not shoulder level. This will help keep your shoulders down and give you correct alignment. For stability, keep your abdominals pressing toward your spine throughout the exercise. Photo by Kerri Lonergan Pilates with Props class members get a challenging, full-body workout. There are many modifications for the push-up that allow everyone to work toward the full exercise. It can be done on your knees or a bench or wall and you can work towards the floor. Ask one of our Certified Personal Trainers or the Fitness Director to show them to you! People Spotlight Kara Satra If you plan to transport hazardous materials on your container ship, leak oil out of your tanker vessel, sail with a compromised hull on your dinner cruise, or operate an undermanned ferry, chances are you’re going to come under the watchful eye of Commander Kara Satra of the United States Coast Guard. Satra, a 25-year veteran of the Coast Guard, has what she quickly refers to as “the best job in the Coast Guard” as Chief of Inspections for Sector 4 June/July 2009 San Francisco. In her capacity, and now in her second four-year tour at Alameda’s Coast Guard Island, Satra overseas all foreign and domestic shipping throughout the Bay, including all container and tanker ships, passenger vessels and ferries, container facilities and oil terminals. Satra and her team not only inspect the structural integrity and emergency preparedness of every vessel and port facility, but they also ensure that operations are compliant with strict Coast Guard regulations. Satra’s Coast Guard career also has featured extensive work in maritime emergency preparedness, including duty as the Coast Guard liaison to FEMA during Hurricanes Katrina and Rita, a period Satra understatedly www.HarborBayClub.com (510) 521-5414 refers to as “a really interesting time.” Satra coordinated those efforts from FEMA’s Operations Center in Washington, DC. When she’s not busy keeping the Bay safe, Satra likes to stays active with kayaking and a balanced exercise regimen at the club that includes weights, swimming, and Shorinji Kempo, a Japanese discipline blending martial arts and active meditation. Satra also enjoys the Olympic sport of dressage and loves to ride her Arabian gelding named Steed. Satra and her husband Jeff also keep busy raising their four-year-old son Ethan who, to the surprise of no one, has developed his own maritime passion as an active swimmer at the club’s pool. AQUATICS If you are one of the many who use the pool on a regular basis, you might be interested in the answers to our survey question, “Why Do You Swim?” Some of our respondents emphasized the health benefits: “My friend, who is about my age, had a heart attack. In order to live long, I knew I had to exercise. I started swimming from fear, now I am addicted I have three beautiful young girls and young wife. I’m too young to die.” –Paul “Best full body non-impact exercise there is. Water is a return to the place we came from. It’s a great meditation and mind clearer. You can set your pace and goals. No age limit. Hot tub and steam at the end cannot be beat. A great renewal. and it’s fun!” –Stewart “It mentally and physically prepares me to take on 90 eighth graders every day.” –Kath “Stress reduction. Very necessary. It’s mentally relaxing, in that I like to try and focus only on each stroke. It allows me to disconnect from everything else in the day.” –Enrique “It improves my overall performance in all sports. On days I do not run, I can swim. This cuts down on potential injuries from running while keeping my overall fitness level up. It stretches out and relaxes muscles worn down by a longer run.” –Lilla Others liked the group interaction of swimming with a Masters Team: “I like swimming with Masters specifically because I like the structure to the workout and I like the camaraderie of meeting others with similar exercise interests. I’m only just starting to explore using coaches to not only direct the workout but also to help me with personal improvement. I also think Masters is a great bargain.” –Clif “I enjoy working on my technique, getting better, being challenged by and challenging my lane partners. The whole camaraderie thing takes a lot of the drudgery out of the workout, not just in my lane, but all across the pool and pool deck. I know it seems strange, but amidst all the gasping and groaning, it’s kinda fun—Alan “I swim more when I have team members that workout hard in my lane who challenge me and are friendly and supportive. The lane partner relationships are important. Being in a lane with swimmers with similar work out ethics is critical to allow focus on the workout and not be distracted.” –Kathy. Others had several reasons for swimming, among them the challenges it presents: “I ask myself this question every day the alarm rings at 4:50 a.m. to get up, also as I’m walking to the pool from the locker room on a cold windy morning, and as I’m taking the first plunge into the pool. Photo by Kerri Lonergan Swimming is the best non impact workout there is. Several swimmers like the water/pool environment: “I swim because it’s great exercise and I love being in the water and outside in such beautiful surroundings. And even though swimming is repetitive, it’s not boring because I can concentrate on swimming better. Fortunately, there’s lots of room for improvement, so I don’t anticipate boredom any time soon.” –Holly “I like it as a form of exercise. I like being in the water and how it feels to my body. I like the low-impact nature of the exercise. When I’m swimming well—meaning that my body’s timing is totally in sync—it’s a great feeling. It feels nice to just slip effortlessly through the water.” –Clifton “Slicing through the water and zipping along in a streamlined form gives me a rush I never get tired of. My favorite thing is pushing off the wall and forming myself into the most hydrodynamic shape, seeing how far I can glide underwater before adding a few dolphin kicks to propel myself along the bottom. What a great way to start a day, stretching out, weightless in an alien environment and feeling right at home.” –Michael www.HarborBayClub.com I swim so I can ‘moan and groan’ to someone about something—especially about the kicking sets and non-free sets. I swim so I can stay in touch with the local gossip. I swim so that when I’m done, I feel like I’ve gotten a great workout. I swim so I can stay healthy as I get older.” –Margaret “Truly, the reason I swim is to maintain my sanity. Swimming is my mental health— it keeps me balanced, it alleviates stress, it takes me away to distance shores on a bright sunny morning. Day dreaming is a proven constructive mental activity. It’s a wonderful way to ease into the day gliding through the water while being enveloped in its mass. It is my solution to keeping Alzheimer’s at bay. All that counting and keeping sets straight must increase and challenge my mental activity! I’m a better wife, mother and friend because of all that swimming does for me. It’s something I do for myself which also benefits all the people I’m surrounded by daily. It is part of me and without it, I dare not consider the consequence this would have on my life.” –Lynn For those of you reading from the sidelines, if any of these answers strike a chord, come on down to the pool and experience some of what these fortunate folks are experiencing everyday! (510) 521-5414 People Spotlight John Fassel After being drafted as a free agent out of college in 1999 by the Indianapolis Colts, John Fassel had high hopes as a wide receiver in the NFL. His brief stay in Indianapolis instead became a launching point for a successful coaching career that has brought Fassel to Alameda as the new Special Teams Coordinator for the Oakland Raiders. Growing up the son of an active college and NFL football coach before starting his own coaching career, Fassel has covered a lot of ground in his 35 years before recently settling in Alameda with his new wife, Elizabeth. Fassel was a four-year letter winner and standout for the Weber State Wildcats while completing his undergraduate work with a degree in exercise science. After being released by the Colts in 1999, Fassel began his coaching career at Bucknell University and, over the next five years, coached with the Amsterdam Admirals of NFL Europe, Idaho State University, New Mexico Highlands, and the Baltimore Ravens before joining the Raiders last year. While at Idaho State, Fassel earned a master’s degree in athletic administration. While in New Mexico, on a challenge from his buddies, Fassel tried and finished his first Olympic triathlon and has been an active triathlete ever since, including the successful finish of three Ironman distance triathlons. While coaching for the Ravens in Baltimore, Fassel met his wife, Elizabeth, who has since joined him as an active triathlete. The Fassels are active members of the Harbor Bay Club, where the highlight of John’s routine is the ability to swim in an outdoor pool year round, courtesy of the club’s heated 25-meter pool and Alameda’s temperate climate. June/July 2009 5 Living Healthier and Stronger By Debra Costner T h r o u g h o u t h i s t o r y, chiropractic doctors have had to overcome misperceptions about their profession. The most persistent misconception is that chiropractors lack medical education and are not “real” doctors. In fact, the demanding education of chiropractors is very similar to many other medical doctors. Doctors of chiropractic must complete four to five years at an accredited chiropractic college. The curriculum includes a minimum of 4,200 hours of classroom, laboratory and clinical experience, of which more than 500 hours are devoted to learning about adjustive techniques and spinal analysis. In non-chiropractic medical schools, training in adjustments is not doctors of chiropractic gained legal recognition in all 50 states. A continuing recogni t i o n a n d re s p e c t f o r t h e chiropractic profession in the United States has led to growing support for chiropractic care all over the world. This year, more than 20 million Americans will see one of the 50,000 licensed chiropractors throughout the country, most of them seeking relief from back pain. According to the Gallup Organization, over 30 percent of the adult population has visited a chiropractor. Most Americans, estimated to be over 80 percent, will suffer from back pain at some point in their lives. In fact, back symptoms are the most common cause of disability for individuals under the age of 45. In addition, 20 percent of all medical discharges from military A continuing recognition and respect for the chiropractic profession in the United States has led to growing support for chiropractic care all over the world. required nor generally offered to medical students. To become a chiropractor in the United States today, an individual must meet the licensing state’s education requirements, pass that state’s exams and also pass the national board exam. Chiropractic care can trace its roots back to the beginning of recorded time. Ancient Chinese and Greek writings, from 2700 BC and 1500 BC respectively, mention spinal manipulation and the maneuvering of the lower extremities to ease low back pain. And even well-known Greek physician Hippocrates, who lived from 460 to 357 BC, wrote texts detailing the importance of chiropractic care. In one of his most famous writings, Hippocrates declares, “Get knowledge of the spine, for this is the requisite for many diseases.” Throughout the twentieth century, 6 June/July 2009 service are due to lower back pain. Although many people come to see a chiropractor for back pain, these doctors treat many other areas as well. According to Dr. Cheryl Saxton with Advance Health Chiropractic in Alameda, this is a common misconception. “As a golfer, I meet people on the course who complain about knee, elbow, foot or shoulder problems,” says Dr. Saxton. Yet it never occurs to them a chiropractor c o u l d a l l e v i a t e t h e p ro b l e m . “ I recommend a visit to the chiropractor for an evaluation. That sometimes elicits surprise, but chiropractic is a total body approach to health.” Dr. Chris Pieda, with Back to Health Chiropractic in Alameda, says there are many misunderstandings about what Photo courtesy of Symmetry Chiropractic Dr. Cynthia Boyd provides relief to a patient at Symmetry Chiropractic in Alameda. chiropractors do. “This is one of the main reasons I go out into the community to give lectures and to do wellness assessments,” he explains. D r. P i e d a d e s c r i b e s h i m s e l f a s a “w e l l n e s s chiropractor” who approaches his practice as responsible for overall health and wellness. “Chiropractors were often laughed at for making lifestyle recommendations including diet and exercise,” he says. “One of these early pioneers was a chiropractor named Jack LaLanne, and we all know he’s still having the last laugh.” Born in San Francisco, LaLanne was an early advocate of regular exercise. www.HarborBayClub.com (510) 521-5414 He attended the Oakland Chiropractic College in 1936, and had the longest running fitness show on television, from 1951 until 1985. He touted that building strength improves the odds against injury, and increases recovery times as well. And at age 94, he is certainly an advocate for adding longevity to the list of benefits for a healthy lifestyle! Chiropractic doctors see a vast difference in their patients who are sedentary compared to those who work out to improve their strength and flexibility. “As far as the relationship of chiropractic care and exercise, it’s a natural symbiosis,” says Dr. Steven Heller with the Alameda Chiropractic Center. “Without question, my patients who exercise and stretch regularly respond better to treatment, need less care, and suffer less acute crises requiring through Chiropractic Care treatment.” And Dr. Heller learned this lesson from first-hand experience as well: “After suffering a broken leg last year, I entered into a health decline resulting in weight gain and depression. Over the course of the last five months, I’ve shed over 40 pounds, have seen nearly all of my aches and pains vanish, and feel better than I have in ten years.” Dr. Heller knew from experience what he needed to do, and kept his motivation high. “Central to my recovery has been healthy eating, regular chiropractic adjustments and my four times a week exercising at the club,” he says, knowing that no matter what your age, the routine is the same. “I turn 60 tomorrow!” But knowing how to work out properly is just as important as the exercise itself. Dr. Cynthia Boyd of Symmetry Chiropractic in Alameda sees people with poor posture more frequently hurt. “You think you’re doing something good by exercising,” says Dr. Boyd, “but if you’re exercising improperly, you could very easily injure yourself further.” This may even mean, Dr. Boyd says, that a patient should end an exercise routine. “Sometimes I tell them to lay off the exercise for a while,” she says. “Take time to relax, use ice; generally give themselves time to heal before going back to working out.” Unfortunately people who try to apply self-care to an injury are using improper treatments. “Many people tell me they’re using heat,” says Dr. Boyd. “I tell them to use ice only! It’s recommended over heat most of the time.” According to Dr. Boyd, knowing how to align your body during exercise makes all the difference. “I specialize mainly in body mechanics and posture, and I find most spinal pain comes from stress and strain on the joints because of study. It’s also important to know that chiropractic doctors treat more than just back or neck pain. They provide effective treatment for all types of soft tissue including conditions of the joints and extremities such as the ankle, knee and shoulder. Today more than ever, chiropractors see ailments brought on by stress. Dr. Pieda says many people “just ignore stress until it becomes a major health Chiropractic doctors see a vast difference in their patients who are sedentary compared to those who work out to improve their strength and flexibility. “Without question, my patients who exercise and stretch regularly respond better to treatment, need less care, and suffer less acute crises requiring treatment.” - Dr. Steven Heller, Alameda Chiropractic Center. bad posture,” she says. “This over time can lead to ruptured disks and other spinal problems.” Another myth that has plagued chiropractors is that spinal adjustments are dangerous. In fact they are extremely safe, and when they are performed by a trained doctor, spinal adjustments are the safest treatments for most back and neck problems, according to a 1993 Ontario Ministry of Health commissioned Photo Photo by by Kurt Kurt McDonald McDonald Dr. Steven Heller of Alameda Chiropractic performs a lumbar spine adjustment to one of his patients, a procedure essential to relieving sciatica, muscle strain and lower back pain. crisis.” That is when they come to see him for help. “I really focus on getting people to recognize the human stress response, and to listen to their bodies for the warning signals,” says Dr. Pieda. “Unfortunately, many people I meet have no idea that a wellness chiropractor can help dramatically reduce the effect stress has on their health.” There is another misperception that Dr. Saxton sees frequently. “The misconception that I hear most comes from new patients coming into my office who have never had chiropractic care. They say, ‘I have heard that once I start chiropractic I have to come for the rest of my life,’” explains Dr. Saxton. And her response to them is, “You don’t have to come for the rest of your life, but you will want to come for the rest of your life once you see how great you can feel.” Dr. Heller agrees that patients come to realize they greatly enjoy the benefits of regular chiropractic care. “As they feel better, they can integrate more exercise into their routines—pretty soon, vitality, mobility and aliveness becomes the natural state of being.” Photo by Sue Culig Dr. Cheryl Saxton treats a patient at Advance Health Chiropractic in Alameda. Alameda chiropractic doctors who contributed to this article: Dr. Cynthia Boyd Symmetry Chiropractic 2329A Eagle Avenue (510) 769-0125 Dr. Steven Heller Alameda Chiropractic Center 2543 Santa Clara Avenue (510) 865-1234 Dr. Chris Pieda Back to Health Chiropractic 711 Santa Clara Avenue (510) 523-5000 Dr. Cheryl Saxton Advance Health Chiropractic 2033 Santa Clara Ave. (510) 865-9355 THE SPA AT HARBOR BAY CLUB Sun Protection and your family Our warm weather is here and teenagers are off to the pool, the beach, or an outdoor game of Tennis. Despite your advice, applying sunscreen may be one of the last things teenagers are considering as they head out the door. Yet, 50 percent to 80 percent of the sun damage done to our skin occurs during childhood and adolescence. Intermittent but intense sun exposure contributes to significantly increased risk for skin cancer later in life. Every sunburn counts so it is never too early to improve sun safety! The Spa Shoppe at Harbor Bay Club has a variety of different products for Sun Protection. With the popularity of Mineral products on the rise, Paulette Staats, director of the Spa at Harbor Bay, recommends the Colorescience Sunforgettable SPF 30 Line. Sunforgettable All Clear is a clear, weightless powder sunscreen that does not rub off on clothes. Sunforgettable also comes in two colors, Perfectly Clear and Almost Clear, that blend subtly into medium and deeper skin tones. Sunforgettable SPF30 is fragrance-free, transparent, safe for men, women, children, and even pets, and will not burn the eyes when perspiring. You can also “lose the 20-minute wait” because the inorganic powder does not have to emulsify and absorb into the skin the way organic sunscreens do. Sunforgettable’s full spectrum UVA/UVB SPF 30 sun protection is rated Very Water Resistant. All three Sunforgettable colors also come with Shimmer added to give the sun back some of its glow! If you buy a Sunforgettable SPF 30 Brush, you can buy a brush refill (that refills your brush twice) for $10 ($30 value). Colorescience just released a new product for teens called “Let Me Be Clear.” Let Me Be Clear is a soft focus, tinted finishing powder specially formulated for problem skin. Daily use will reduce the appearance of redness from blemishes and even out brown discoloration caused by blemish scars or hyperpigmentation. This brush comes in three translucent colors with these distinctive ingredients: Rice Starch, Titanium Dioxide, Retinol Palmitate, Pearl Powder, Zinc Oxide, Salicylic Acid, Tocopherol and Iron Oxides. These ingredients are instant, stable, physical mineral sunscreens and acne-fighting compounds perfect for teen skin. If you purchase a Let Me Be Clear Brush, you will receive a FREE Aromatherapy Brush Cleaner ($10 value). Come check out the full line of Colorescience, exclusively at The Spa at Harbor Bay (510) 521-5414 ext. 125. Our Estheticians and Makeup Artists can help you with any questions you might have. People Spotlight Mary Patrick Kavanaugh Last fall, upon concluding that she wouldn’t find a big-name publisher to publish her first novel, a seven-year labor of love entitled Family Plots: Love, Death & Tax Evasion, Mary Patrick Kavanaugh decided to take the concept of improvised marketing to a new level. By staging a well-publicized opencasket funeral at Oakland’s historic Chapel of the Chimes and eulogizing the death of her dream of finding a mainstream publisher, she parlayed a 8 June/July 2009 creative publicity stunt into some new buzz for the book and new ideas for self-publishing. Kavanaugh has a lively work history that includes time served in a wide range of professions, ranging from private investigator to Avon lady. Being bossy and entrepreneurial by nature, she has spent the majority of her adult career providing executive management and strategic marketing planning for startup businesses and organizations. A writer since the age of eight, Kavanaugh has had a distinguished literary career, having received several creative nonfiction awards and written for major local newspapers and numerous trade journals. www.HarborBayClub.com (510) 521-5414 Between her writing career and regular commutes to Southern California to maintain her “day job,” Patrick is constantly on the go and regularly uses the Club for workouts and spa treatments as a respite from her busy urban life. “Bucolic” is the word that comes to mind for Kavanaugh in describing the tranquil resort-like setting she has come to crave at the Club when needing to get away from it all. Kavanaugh is currently mining new ideas for her second novel and basking in the glow as the proud parent of her collegegraduating daughter. For more information on Kavanaugh, her new book and “funeral” event, visit www.marypatrick.com. TENNIS Special Olympics This will be my fifth year as the director of tennis at the Harbor Bay Club. The position requires both on-court and offcourt skills as well as a level of physical stamina to get through the day. Every day, I help people participate in a fantastic sport, and their reasons for doing so are too numerous to list here. Personally, one of the things that keeps me going is an experience like no other—the Special Olympics. The year I became director, it was my first time coaching developmentally disabled persons. I was unsure, to say the least, and concerned that I would have unrealistic expectations, create confusion and look foolish. It turned out that I had nothing to worry about. The day of the event, the volunteers and I prepared for class by getting the basket of balls, racquets and teaching aids to courts two, three and four. Participants began arriving along with parents, Photo by Dave Opperud Special Olympics participants line up to take part in a tennis drill. other times not. Balls landed in the blue, although some landed in the green bushes behind the fence. Encouragement was given, technical instructions delivered, and then balls started bouncing again. When class was done, all the students took a soda and snack break, then exchanged expressions of gratitude and temporary goodbyes. Every time the Special Olympics takes place, I have one more reason why I love my job. Photo by Dave Opperud Special Olympics volunteers have a lot of success when they work one-on-one with the participants. guardians and helpers, and I was cordially introduced to all. My first impression was how grateful the escorts were, but more surprising were the natural smiles and joy that the players brought to the courts. They had yet to hit a ball! It’s nice to have happy people before the class even starts, which is not always the case. There were 15 to 20 kids and adult participants who, after receiving name tags, went on to the courts wearing sports clothes and carrying their racquets. They were evenly split up into groups on three courts—some were escorted and others were not. I couldn’t help but realize that this is just how I would set up any other class of tennis enthusiasts. Nice! The group star ted swinging. Sometimes racquets connected with balls, Special Olympics Tennis event: Harbor Bay Club will be hosting two great tennis events for the Special Olympics on June 20 and July 18. Each 90-minute session will be open for up to 30 children who live with disabilities. Volunteers will be reaching out from all over the Bay Area to help us make this event memorable. Parents and guardians help participants to take part in target games, interactive activities, and to enjoy the fun and determination the game of tennis brings to its players. Breakfast at Wimbledon, this Father’s Day: Members, come on out and celebrate Breakfast at Wimbledon on Father’s Day, Sunday June 21st, from 10 a.m. to 1 p.m. Compete in Harbor Bay Club’s own version of the grandest Slam of them all. Men and women are invited to enjoy competitive doubles tennis and lots of laughs. Aside from your racquet, be sure to bring crispy bacon, crumpets, strawberries and cream, or whatever your favorite English food and drink may be, for the pot luck breakfast! Contact Mike Bauer, director of tennis, for further information. Summer Tennis Camp is nearly here! We are planning an exciting summer of fun tennis and healthy exercise. The camp will involve kids in drills, games and activities. Emphasis will be on fundamentals, including rules, sportsmanship, etiquette, proper technique and consistency in hitting the ball. Students will further develop each of the major tennis strokes and play tennis matches. Players will be divided by ability. Multiple sibling signup specials are available. Camp will begin June 15th and continue for 10 weeks. Contact Mike Bauer for further information. Harbor Bay Club is proud to announce that the resurfacing project on courts two, three and four have been completed. This brings our number of fully resurfaced courts to 10. All 19 courts are now available for booking, and we encourage members to book ahead for court time on the newly resurfaced courts. July 4th Round Robin BBQ: Come over to the Harbor Bay Club tennis courts to start your Fourth of July celebrations this year! Our annual round robin barbeque promises to be satisfying both on and off the courts, as we will kick off the festivities with a round robin tournament before lighting up the grill for the barbeque. Round robin entry and food will be $10. Contact Mike Bauer for further information. People Spotlight Leslie Rose If Leslie Rose had any remaining questions about her passion for tennis, they were certainly answered two years ago when she went into labor on the tennis court! A few hours later, she gave birth to her daughter, Madison. Rose, a talented and competitive player since leading her team as the #1 player for Bishop O’Dowd, recently took home the second-place Silver Ball trophy at the USTA National Tournament for the Pacific Coast Seniors, her second topthree finish in the two Category 1 tournaments she has entered this year. Rose’s recent success in the 30-plus age group marks the culmination of nearly eight years of working with Mike Bauer, the Club’s Director of Tennis, to regain her strength and joy for tennis. After BOD, Rose had a storied career at UC Davis, where she was Rookie of the Year and led the school’s team to the Nationals and attained second-, third-, first- and third-place finishes in a brilliant four-year span. After UC Davis, Rose travelled the world on the USTA tour, achieving a world ranking and life experience; however, she was ill prepared for the rigorous tour schedule, www.HarborBayClub.com (510) 521-5414 which soon took a physical toll and resulted in a series of frustrating injuries which effectively ended her run on the tour. Returning to the Bay Area dejected, Rose serendipitously hooked up with Bauer and began what has since become a “miraculous” journey for Rose. “Mike completely changed my attitude towards tennis again. He’s helped me become technically better and physically stronger. His patience and knowledge of the game are just phenomenal.” Rose regularly commutes to the Club from Orinda, where she shares a home with her husband, Neal, and her daughter. June/July 2009 9 FEATURE ARTICLE Raiders Team Up With Alameda Nonp By Will Kiss T he Oakland Raiders wrapped up their mandator y three-day mini-camp with a final practice session at their facility in Alameda on Sunday, May 10, and the anticipation for the start of the 2009 season can be felt throughout the Raider Nation. The Raider coaching staff got a first hand look at the Silver and Black’s exciting new draft class and rookies, while veterans returned to Alameda practice. “This is a huge time because we see what the nucleus of this team is going to look like in the fall. We have to make sure we put it all together.” Head Coach Tom Cable evaluated the rookie crop, saying “I’m impressed by their work ethic and I’m impressed by their ability to learn.” Cable also commented on the addition of several quality veterans, praising the mix of experienced performers with talented newcomers. “I talked to many of them right after they got here and you can see the influence of the veterans already taking effect. Hearing them out there The Silver and Black hope to extend the relationship between the organization and the people of Alameda, and look to use the Community Development and Fundraising Program to strengthen those ties. to lay the foundation for a successful upcoming campaign. “It was good to be back on the field,” said veteran linebacker and Oakland native Kirk Morrison following the mini-camp’s final in and around the huddle, coaching the young guys and the way they talk and communicate is what this team needs.” The excitement of mini-camp leads into the hard work of OTA’s (Organized Team Activities) and eventually sets the stage for Training Camp 2009 in Photo by Tony Gonzales During a recent visit to the Harbor Bay Club, Oakland Raiders starting Cornerback Chris Johnson meets with kids from the popular Summer Camp program. 10 June/July 2009 Napa, where the Raiders will commence month-long preparations for the regular season. And while fans know that the Oakland Raiders are committed to excellence on the football field, the Raider organization also remains committed to the community and the organizations that touch people’s lives everyday, especially in Alameda. Part of the Raiders’ commitment to the public is the Community Development and Fu n d r a i s i n g Pro g r a m , which enables nonprofit organizations to raise Photo by Kirk Cowan money for their respective Alameda High School’s Athletic Boosters Club is excited to join programs by selecting a forces with the Oakland Raiders to raise money for its various Raider game to promote athletic programs. Shown left to right: Booster’s President Mathews, AHS Hornet football players Tom Ruckman and and attend with their group. Ron Jeremy Yu, and AHS Athletic Director Brad Thomas. Any nonprofit organization can select a home game and the Raiders will provide them with the to inquire about the Raiders’ Community necessary assistance, giving the group a Development and Fundraising Program fund-raiser that requires no minimum. can call (510) 864-5000 or visit Raiders. The Raiders supply the organization com for more information. with the tickets to the game (which will The Oakland Raiders’ Community be together in the Oakland-Alameda Development and Fundraising Program County Coliseum), Raider caps, and enjoyed successful partnerships with local food vouchers. nonprofits last season, working with the “We enthusiastically embrace all Alameda Education Foundation for a game of the work we do in the community against the Atlanta Falcons and helping St. and we particularly enjoy the work Patrick’s Church raise much needed funds we do with youth,” said Raiders Chief for a game against the Carolina Panthers. Executive Amy Trask. “This program The funds raised by St. Patrick’s went to is designed to facilitate our interaction help feed the parish’s homeless. Among with a wide variety of youth based the nonprofits already on board for the community programs.” 2009 season include the Oakland’s Lions Historically a trend-setter among Center for the Blind, who are using the National Football League (NFL) game against the Philadelphia Eagles on franchises, The Oakland Raiders October 18th to raise funds for the center Organization has once again set a and to obtain new technology, and the East standard by collaborating with local Side Union High School District. Located nonprofits to raise funds for community in the San Jose area, the district includes 12 programs. The Raider ticket staff looks high schools and 26,000 students, and will forward to the opportunity to work with be purchasing tickets in 2009 to support local nonprofits, and any group wishing their after school programs. www.HarborBayClub.com (510) 521-5414 FEATURE ARTICLE profits, Prepare for the 2009 Season “We sold tickets to the Carolina game and raised enough money to support our program,” said Mike Hurlbut, who helped conduct a successful fundraising effort for Anderson Wildcats Youth Football and Cheer last season. “The money will go to cover the cost of the fields, paying for the referees, and most importantly eleven players and cheerleaders will be able to play who couldn’t afford to join on their own. We had a great time tailgating and the atmosphere inside the Coliseum was awesome. The kids are still talking about it and can’t wait to go again next year.” On board to participate again in the Community Development and Fundraising Program for 2009 is the Alameda Education Foundation, which helps provide student programs that public schools have been forced to eliminate due to state and district budget cuts. “The AEF supports a myriad of after school programs and we look forward to partnering with the Raiders to support those programs,” said President of the Board of Directors Bill Sonneman. “It’s a great way for the Raiders to help us and for us to help the Raiders’ positive visibility in the community.” The 2009 schedule provides exciting opportunities for nonprofits within Alameda to pair up with the Oakland Raiders to raise funds. The Raiders will be hosting the annual Fiesta Latina game, which includes a day-long celebration of Latino culture, a Filipino Heritage game, a Military Appreciation game and a Susan G. Komen Breast Cancer Awareness game presented by Alta Bates this season. Many participants have also discovered how easy it is to attend games via BART, as the Oakland-Alameda County Coliseum is just a short walk from the Coliseum/ Oakland Airport BART station. The Raiders and the city of Alameda have enjoyed a long partnership. The team practiced in Alameda in the 1960s and 1970s, many players, coaches and administrators have lived in and continue to make their permanent homes within the Alameda community, and the team’s headquarters and training facility have been located in Alameda’s Harbor Bay Business Park since the team’s return from Los Angeles. The Silver and Black hope to extend the relationship between the organization and the people of Alameda, and look to use the Community Development and Fundraising Program to strengthen those ties. The Raiders look forward to supporting Alameda nonprofits and have already laid the foundation for relationships with several groups for the 2009 season. In addition to the AEF, the Raiders have teamed up with Alameda Pirates Youth Football, Alameda High School Football, Encinal High School Football, St. Joseph’s High School, the Alameda Boys & Girls Club and the Kiwanis Club of Alameda for development and fundraising efforts for the upcoming season. The organization is also collaborating with the Harbor Bay Club to bring awareness of the program to many nonprofits in Alameda that can benefit from the Silver and Black’s community efforts. “In today’s economy we appreciate the Raiders taking on a community project and giving us an opportunity to raise funds and also go see a Raider game,” said Pat Bail, Vice President of the Alameda www.HarborBayClub.com Photo courtesy of Oakland Raiders Veteran Oakland Raiders Linebacker Kirk Morrison mixes it up with local kids during a “Take a Player to School” event last fall. Pirates Youth Football League. “We’ve always appreciated the help of the Raiders and will support them the best way we can. It’s a great program.” With an eye towards increasing the organization’s work with nonprofits in Alameda, the Raiders will be hosting an in-house presentation on Thursday, July 16 at 7pm (see advertisement) (510) 521-5414 and invite groups to come to the team headquarters and learn about the Community Development and Fundraising Program. The Raiders have also designated the home game against the Cincinnati Bengals on November 22 as Alameda Day with the Raiders in celebration of the team’s long-standing relationship with the city. June/July 2009 11 KIDS CORNER Children’s Center Don’t throw away those toys! The Children’s Center is in need of your gently used outdoor play structures, large outdoor toys and baby equipment. If you have any outdoor structures or equipment in good condition to donate, please let us know! Call (510) 521-5416 x115 to make an appointment to drop off your donations, they may not be just dropped off. All donations are accepted at the discretion of the Youth Director. You will receive Children’s Center credit for the determined value of your donation. Please note we will not accept broken or damaged items. Five Family Fun in the Summer Ideas 1. Take a Walk- Kids of any age enjoy fresh air and nice walks with their families. If you employ enough adjectives (magic! fairy! adventure!), even the most television-addicted kid will easily be lured out of doors. My son and I loved to go on “leaf walks” when we would alternately crunch and collect cool leaves, just walking around our own block. 2. Count Clouds- Don’t underestimate how much kids love this activity. Cloud watching and picking out shapes stimulates the imagination and exercises the brain. Besides, it’s unbelievably relaxing and you can do it in a park or a backyard anywhere, as long as it’s not raining. 3. Keep a Summer Journal- Kids love to collect treasures, so why not go to the craft store, pick up a cool notebook and start a summer scrapbook with a place for all their cool stuff? Along with treasures like ticket stubs, feathers and candy wrappers, you can include photos, stories, even reviews of books they have read or summer movies they have seen. The time spent creating it will be well worth it; your kids will love to look at it for the rest of the year! 4. Picnic- The joys of eating outside cannot be overstated. And what better audience to appreciate a hot dog under a tree than your favorite toddler? Even if all you do is bring sandwiches and eat them on a blanket in your back yard, it’s an excuse to get some fresh air and avoid a huge messy post-meal kitchen. Throw in some music and a board game, and you have a fun day for the whole family, all for the cost of food and gas. 5. Kids Choice Dinner- Want to have some fun? Let your very young kids pick out and prepare what is for dinner. True, you may end up enjoying carrots, cereal, and toast. But think of how proud your guest chefs will be, especially those that are normally picky eaters! 6. Last but not least- Don’t forget about bringing your family to the Harbor Bay Club! A day at the pool followed by dinner upstairs in the Clubhouse Bar and Grill is as stress-free as you can get this summer! 12 June/July 2009 Fun in the Sun Summer is finally here, and that means playing outside in the sun! You can ensure a fun and safe summer by following some basic rules. The American Academy of Pediatrics offers the following sun safety advice: -The first and best defense against the sun is to cover up. Dress your kids accordingly—a hat with a three-inch brim or a baseball hat, sunglasses and cotton clothing with a tight weave. -Stay in the shade whenever possible and limit sun exposure during the peak intensity hours of 10 a.m. – 4 p.m. -Use a sunscreen daily, with a sun protection factor (SPF) of 15 or greater. Make sure to reapply after exercise or swimming. -Apply sunscreen 30 minutes before sun exposure. Even infants can use sunscreen in certain areas such as the face, the back of the hands and the back of the neck. -Be sure to keep children well hydrated! During physical activity, hydration should be encouraged often. Drink 5-9 ounces of cool tap water or sports drink for every 20-30 minutes of activity, even if the child does not feel “thirsty.” -Reduce intensity of activity when heat and humidity are at their peak. -Remember, if you are feeling the heat, chances are your kids are feeling it too! Photo by Kerri Lonergan Youth Department counselor Kiley Lonsdale enjoys spending time with HBC kids. www.HarborBayClub.com (510) 521-5414 People Spotlight Lacey Parodi Lacey Parodi started playing softball when she was seven years old, playing in Little League and in the Amateur Softball Association. Parodi played junior varsity softball for Alameda High School as a freshman and for the varsity team during her sophomore, junior and senior years. When talking with Parodi, it’s easy to see that softball is an important part of her life. She beams when she talks about softball and the close connections she has with her teammates. Even though she and her best friends from the team have gone in different directions for college, they still have reunions with each other at least annually and reminisce about their softball days. For Parodi, her softball journey continues. She now plays for Holy Names College, and her team won recently won their conference. Lacey was born and raised in Alameda, and likes the small-town feel of everyone knowing everyone. Her family’s story— her father also grew up in Alameda—is familiar. “It’s so friendly, and it was a great place to grow up,” she says. “I would go to the park and play catch with my older sister all the time.” Another familiar story for Alameda is how Harbor Bay Club has touched many people’s lives. Parodi has worked for HBC in the Summer Camps and other HBC Youth programs. Lacey describes Harbor Bay Club as a great place to be serious with work, but at the same time have fun. Join in June, receive 50% off enrollment fee www.HarborBayClub.com (510) 521-5414 June/July 2009 13 REAL ESTATE UPDATE Buyers Return To The Real Estate Market By Dennis Pagones New mortgage applications last week for home purchases and refinancings were up 77 percent from the same week in May 2008, according to the Mortgage Bankers Association. Mortgage rates continue to average well below 5 percent; the average rate was 4.7 percent last week for 30-year fixed- 14 June/July 2009 rate loans and 4.5 percent for 15-year loans. Rates like these are a major factor pushing applications up, but sharply lower housing prices in many markets are an important part of the equation as well. Nearly 600,000 homebuyers have claimed either the $7,500 tax credit from last year, or the $8,000 credit for this year, according to IRS data cited by the National Association of Home Builders. Many of these buyers are first timers, but plenty of others are people who are now jumping back into real estate after not owning for a few years, drawn in by today’s much more affordable prices and financing. Qualifying for a mortgage can still be a challenge, since Fannie Mae, Freddie Mac and major lenders continue to look for larger down payments—other than for FHA loans—and higher FICO credit scores than they did just a few years ago. If you focus on the latest h o m e re s a l e a n d p r i c i n g numbers just released by the National Association of Realtors you might say, “We still have some major problems in the market!” The national median house price dropped by 13.8 percent in the last 12 months. Only 18 of 152 major markets surveyed saw price increases. On the other hand, however, a record high percentage of total sales in former boom markets have been “distressed,” meaning either foreclosures or short sales. Distressed sales are pulling down the median price numbers at the national and local level, even though nondistressed sales in the majority of markets have experienced only moderate declines in prices. There’s an important flip side to low median prices: Sales are increasing in many markets where prices have fallen most sharply. Sales in the first quarter jumped by 81 percent in California, compared with year-earlier levels. Those sales rates are also reducing unsold inventories and cutting total listings in some markets. Unsold inventory in California is now just five months—that’s down from 12 months the previous March. www.HarborBayClub.com What Makes a House Worth Buying? It goes back to the basics—your wants and needs. With so many homes for sale, it’s easy to sift through many homes in a particular area and decide whether or not they make sense for you. Understanding more about what you want in a home and what you can’t live without will help you make a smarter decision about what home to buy. Here’s how to start identifying the difference between what you want in a home and what you can’t live without: • Write down everything you want in a home: your school district and your neighborhood of choice, the location within the neighborhood, the size of the home, its amenities, and whether the home is a condo, co-op, townhouse or single-family residence. Do you want attached, indoor parking? Write it down. Do you want a home that’s a fixer-upper or one that has already been renovated? Write that down, too. • Prioritize everything on the list. Once you’ve prioritized your wish list, it’s time to think about what you actually need to live. Your “needs” are items that you can’t live without. For example, you may want a five-bedroom, four-bath house, but what you really need is a three-bedroom, three-bath or even two-bath home. This is your “needs” list and your “reality check.” Once you have completed your reality check, it’s time to prioritize the items on this list as well. Organize the list starting with the most important item on top. • Start working with a Realtor and mortgage specialist who understand the current real estate environment. Getting through your home selection, accepted offer, loan approval and successful closing requires organization and tenacity. For more information on market conditions contact one of our Harbor Bay Realty agents or go to HBRinfo.com and click on “Our Resources” and then “Market Trends.” Dennis Pagones Dennis Pagones is president of Harbor Bay Realty. Since 1984, Harbor Bay Realty has served the residential, commercial, and relocation real estate needs of the entire East Bay as well as leasing, rentals and property management. As a full-service company with over seventy dedicated professionals, Harbor Bay Realty knows and covers the market like no other firm. Over the years they have acquired unparalleled expertise in dealing with real estate matters unique to our area. (510) 521-5414 MORTGAGE MATTERS The “Strategic” Refinance By Peter Holmes It used to be, when you wanted to refinance your home, you called your local bank, locked in a rate and thirty days later your monthly payment went down. The old adage was that if you could lower your rate by one percent or more, it was worth pursuing. My, how times have changed. In the post subprime world of mortgage banking, homeowners’ needs in refinancing have been profoundly redefined. Some homeowners are seeking stability through a refinance, ditching their adjustable rate mortgages and opting for longer fixed rate terms. Some are leveraging today’s lower fixed rates to exit interestonly programs, finding that their monthly payments may actually go up slightly, but can make headway on the payoff of principal with a new fully amortizing loan. Some are shortening their terms, moving from a 30-year fixed rate to a 15-year fixed rate, and saving tens of thousands of dollars in interest payments over the life of their mortgage. Many are taking equity out of their homes to buy investment properties in the lower priced market we are currently experiencing. By and large though, most homeowners that are currently refinancing are seeking a lower interest rate to drive a lower monthly payment. There are a number of common elements to all of these refinancing scenarios, and these elements are amplify the reasons why it is so critically important for homeowners to seek excellent and qualified guidance when considering their refinancing. Some of the new considerations for today’s “strategic refinancing” include new approaches to locking loans, engaging home appraisers, and seeking reliable mortgage assistance. Homeowners typically have several options when scouting out the lowest rates for their home loan. They can “lock” their rate with their lender at the initial point of contact for periods ranging anywhere from 8 days to 60 days, guaranteeing that the rate of interest will be available from the lender at point of funding. Alternatively, they can “float” their rate, electing to lock in later in the process. Generally speaking, rates get lower as the rate lock period gets shorter. For example, a rate locked for 60 days on a conforming 30-year fixed rate loan might be available at 5.25 percent with 1 point, whereas the same loan locked for only 8 days might be 5.125 percent with 1 point. Clearly, the 8-day lock is the preference; the only catch here is that it could take 30 days or more to complete the appraisal and all of the processing on the refinance. With only 8 days locked, there isn’t enough time to pack all of the approval process into that period. And, of course, in the meantime, rates are changing on a daily basis, both up and down. Clearly, a strategy here is critical! Fewer four-letter words in real estate have struck greater concern for refinancing homeowners than the mortgage industry’s newest challenge, “HVCC.” Created out of a litigation bargain between Fannie Mae and New York’s Attorney General, Andrew Cuomo, the Home Valuation Code of Conduct (HVCC) requires appraisals for all loans that are sold on the secondary market to Fannie Mae and Freddie Mac (virtually all loans currently being originated by all banks and mortgage brokers) be ordered by a third party. This means that banks cannot use their in-house appraisal staff and mortgage brokers cannot order the appraisals through their preferred appraisers as in the past. HVCC requires that the homeowner pay for their appraisal by credit card up front prior to the appraisal inspection, typically in the range of $435- $520. The mortgage broker then orders the appraisal through an appraisal management service which, in turn, places an order with the most qualified appraiser in the area proximate to the subject property. The fastest turnaround time for this process (from client payment to appraisal delivery to the lender) is approximately 3 days for a purchase loan and 7 days for a refinance. Obviously, some of the problems with this new rule include the absence of any communication between lender and appraiser (critical at times, if the property is unusual or has special considerations for value that may not be apparent), a lack of supervision over the appraisal process to monitor the timeliness of the assignment, and no guarantee of expertise or specialization in the local market where Peter Holmes / Mortgage Specialist 510-749-7772 Fax 510-749-7749 Pholmes@ sterlinghomeloan.com www.sterlinghomeloan.com 510-749-7772 Integrity EXperience Loan Program the home is being appraised. In theory, one could have a Concord-based appraiser determining value on an Alameda home. Not a good scenario. Where all of these factors lead the homeowner is to the importance of engaging an experienced, hands-on loan broker that can effectively manage the refi process. It truly becomes essential to create a strategy for the refinance. The timing of the lock, the selection of the lender and the knowledge of that lender’s specific HVCC process become critical in actually securing the best rate for the client. Homeowners selecting large banks or their current lenders as “the path of least resistance” may find themselves lost in the hands-off of their transaction to low touch, disinterested clerks in offices in faraway states. By far, the best rule when considering a refinance in this high volume environment is to connect with a local mortgage broker with access to numerous sources of financing and with whom you can interact personally. It is the critical first step in getting the most “bang for your buck” in this great, historically lowinterest rate market. CA. Dept. of Corp. License #4150025. Credit on Approval Rates as of MAY 29, 2009 Value Rate APR Program Notes Conforming 30 yr fixed 5.125 5.27 Loan amounts up to $417,000 “High Cost Area” Conforming 30 yr fixed 5.5 5.62 Loan amounts up to $729,750 Conforming 30 yr fixed, 10 yr interest only 5.5 5.62 Loan amounts up to $417,000 “High Cost Area” Conforming 30 yr fixed, 10 yr interest only 6 6.24 Loan amounts up to $729,750 Conforming 5 yr fixed ARM 4.625 4.87 Loan amounts up to $417,000 Conforming FHA 30 yr fixed 5.125 5.39 3.5% down loan amounts to $417K Conforming FHA 5 yr ARM 5 5.23 3.5% down loan amounts to $417K Jumbo FHA 30yr fixed 5.5 5.67 3.5% down loan amounts to $729,750 Prime Jumbo 30 yr fixed 8 8.23 loan amounts up to $2M Prime Jumbo 30 yr fixed Interest Only 8.25 8.7 loan amounts up to $2M Prime Jumbo 5/1 ARM All pricing shown above with 1 point cost 5.875 loan amounts up to $2M 5.98 Call for 0 point financing rates! www.HarborBayClub.com (510) 521-5414 June/July 2009 15 HBC TEAM NEWS Harbor Bay Club The Harbor Bay Club considers its most treasured amenity to be its people. We take tremendous pride in the commitment by our entire staff to ensure that the attention and care provided to our members and guests is second to none. It's the dedication to personalized customer service that makes the member and guest experience at HBC so special. Lisa Franzel General Manager Every month HBC likes to recognize and reward an individual member of our staff whose performance stands out and represents the highest marks in professional service, attitude, appearance, punctuality & team spirit. The award includes a framed certificate, $100 club cash, lunch, celebration, special parking space and entry into a year-end grand prize. Please join us in acknowledging the following HBC team members whose exemplary performance over the past four months helps us continue to set and maintain the highest levels of service in the industry. Leadership Team Mike Bauer Director of Tennis March 2009 Associate of the Month Mario Larios - Maintenance Erin Brown Youth Director Joanne Connell Membership Accounts Manager Vester Emerson Membership Linda Gilchrist Aquatics Camille Lingley Bar Manager Kerri Lonergan Marketing Director Leslie McGraw Fitness Director Vince Piro Facilities Manager Paulette Staats Spa Director Manyee Wong Li Accounting Manager Lisa Young Director of Customer Service Lorena Atilano Cafe Supervisor Bill Doyle Membership April 2009 Associate of the Month Nancy Finney - Front Desk Associate Alameda native Nancy Finney is a return player to the HBC Team. Many Harbor Bay Club members remember Nancy from her first stint at HBC from 2003-2005. Nancy returned in 2008, and members and staff alike are thrilled that she’s back at the Front Desk. Nancy was born in San Leandro and was raised in Alameda. She attended the popular APRD pre-school program, followed by Frank Otis Elementary and Lincoln Middle School. She graduated from Alameda High School in 2002. After high school, Nancy moved to Hawaii to attend the University of Hawaii at Manoa, and graduated with a B.A. in Communications in 2007. Being active and spending time with friends and family is a priority for Nancy. She plays slow-pitch co-ed softball twice a week with her best friend Christina, also a former AOM winner. Nancy hopes one day to work in the professional sports field, and is pursuing that dream by supplementing her part-time work at the Club with a part-time position working in guest services for the Oakland Athletics. Nancy loves being back as a part of the HBC team. She has close relationships with her co-workers and enjoys assisting members and solving problems. Customer Service Supervisor Lisa Young feels HBC is lucky to have one of its best employees back. In fact, when Nancy was nominated for Associate of the Month, the Management team was unanimous in their support of her winning the award. Lisa goes on to say, “Nancy’s professionalism and attention to detail set the bar high. We hope to have her around for a while; her outgoing, upbeat attitude is infectious!” Jennifer Kennedy Front Desk Supervisor *Attention* Christine Naish Mind-Body Coordinator Medical Professionals & First Responders! Audrey Owens Housekeeping Supervisor Andy Tupman Tennis/Activities Coordinator Nicole Will Group Exercise Coordinator Alex Wolfe Webmaster 16 Our March Associate of the Month Mario Larios has been a loyal and dedicated staff member since joining the HBC Team in 1997. In the 12 years he has been here, Mario has won the AOM award multiple times. Facilities Manager Vince Piro relies on Mario to keep things running smoothly. Piro says, “Mario is always helpful and willing to go over and above the call of duty. He goes the extra step to help with members’ questions and concerns. He takes pride in his work and is an integral part of the maintenance team.” Mario was born in Mexico and came to the United States in 1987. He lives in the Bay Area with his family and is a busy dad and husband. He loves to be outdoors and counts gardening as one of his hobbies. The HBC team knows Mario as a “Mr. Fix-It.” There is nothing that he can’t do! Mario loves a challenge; he will take something broken and make it his mission to fix it. He enjoys keeping busy at work and uses his creative spirit to find ways to do the impossible. Mario never slows down, and you can often find him taking apart a piece of equipment that was destined for the garbage can, and making it good again. HBC Members know Mario as one of the friendliest guys here at the club. He enjoys talking to members and listens to their concerns about general maintenance issues. His “can-do” attitude makes him a consistent nominee for the AOM award. With the terrific skills he brings to the table, it’s no wonder that he is our March 2009 Associate of the Month winner. June/July 2009 We are expanding our current emergency response program to assist anyone on site who is experiencing a medical incident/emergency at Harbor Bay Club. Medical professionals/First Responders can voluntarily agree to enlist in this program to be available, through paging, to assist in medical incidents/emergencies while they are on site. If you are a medical professional, including First Responders, please sign in/out on the Medical Volunteer form at the front desk during check-in and exiting in order to be available. The earlier the response, the better the chance for the victim to have a successful recovery. Harbor Bay Club’s intention is to quicken the emergency response time, in addition to calling 911, when needed. The contribution of the medical professionals and First Responders to this program is greatly appreciated! www.HarborBayClub.com (510) 521-5414 EVENTS CALENDAR Harbor Bay Club Membership Calendar June 2009 Sunday Monday Tuesday Group Cycle Signature Studio 5:45am 7 Bodyworx/Core Signature Studio 10:30am 1 8 14 Power Tone Signature Studio 12:15pm 28 29 New Class!! Cardio Blast Signature Studio 6:30pm 3 23 Friday Pilates with Props Sky Studio 5:30pm 10 18 24 13 Intro to Cycling 12:00-1:00pm. Bring water bottle and towel. 19 Group Cycle Signature Studio 5:30pm 25 Gentle Stretch Sky Studio 12:05pm 6 Intro to Step Signature Studio 12:00-1:00pm 12 Hi/Low Aerobics Signature Studio 9:15am Pilates with Props Sky Studio 5:30pm Pilates Mat 1 & 2 Sky Studio 5:30pm 5 Summer is Here! Make an appointment today to get a Pedicure! 11 17 Saturday 4 Fitness Walkers Meet outside Clubhouse 8:30am Aqua Challenge Meet at the Pool 6:30pm Fitness Walkers Meet outside Clubhouse 8:30am Core Control Signature Studio 12:15pm Bodyworx/Core Signature Studio 10:30am 16 22 Thursday Stretch N’Tone Sky Studio 12:05pm Group Cycle Signature Studio 8:00am Sunrise Yoga Sky Studio 6:00am Aqua Challenge Meet at the Pool 6:30pm 9 15 21 Kickboxing Signature Studio 9:15am 2 New Class!! Balletone Signature Studio 5:30pm New Class!! Cardio Blast Signature Studio 6:30pm Make an appointment today to get a Facial! Wednesday 20 Intro to Yoga Sky Studio 12:15-1:15pm 26 Pilates Mat 1& 2 Sky Studio 10:45am 27 Fundamentals of Pilates Sky Studio 12:15-1:45pm. Sign up in Pro Shop. 30 Step Aerobics Signature Studio 9:00am The featured classes are just a small sample of what Harbor Bay Club has to offer. We now have over 270 classes a month! Classes are free to Members unless otherwise noted. To view the full schedule of club member activities, visit www.harborbayclub.com. July 2009 Sunday Monday Tuesday Wednesday Thursday Friday 1 Bootcamp is Back! Join trainer Suzanne Fong for this fun class. Meets at 6am. 5 Kickboxing Signature Studio 9:15am 6 New Class!! Cardio Blast Signature Studio 6:30pm 12 Make an appointment today to get a Facial! 19 Bodyworx/Core Signature Studio 10:30am 26 Kickboxing Signature Studio 9:15am 7 13 14 New Class!! Balletone Signature Studio 5:30pm Sunrise Yoga Sky Studio 6:00am 20 Group Cycle Signature Studio 10:30am 27 New Class!! Cardio Blast Signature Studio 6:30pm 21 28 Power Tone Signature Studio 12:15pm 16 29 24 Pilates Mat 1& 2 Sky Studio 10:45am 18 Intro to Yoga Sky Studio 12:15-1:15pm 25 Fundamentals of Pilates Sky Studio 12:15-1:45pm. Sign up in Pro Shop. 30 Bodyworx Signature Studio 5:30am www.HarborBayClub.com 11 Intro to Cycling 12:00-1:00pm. Bring water bottle and towel. 17 Adv. Pilates Mat Sky Studio 12:00pm 23 Fitness Walkers Meet outside Clubhouse 8:30am 4 Happy 4th of July! Club Hours: 7am – 8pm 10 Aqua Aerobics Meet at the Pool 10:30am Group Cycle Signature Studio 8:00am 22 Aqua Challenge Meet at the Pool 6:30pm 3 Observed Holiday for 4th of July Club Hours: 7am- 8pm 9 Pilates w/Props Sky Studio 5:30pm 15 Aqua Challenge Meet at the Pool 6:30pm Hi/Low Aerobics Signature Studio 6:30pm Fitness Walkers Meet outside Clubhouse 8:30am 2 Don’t forget to book your appointment for a massage! 8 Group Cycle Signature Studio 5:45am Fitness Walkers Meet outside Clubhouse 8:30am Saturday 31 Aqua Aerobics Meet at the Pool 10:30am (510) 521-5414 club hours Mon- Fri. 5:00AM- 10:00PM Sat.& Sun. 7:00AM-8:00PM Children’s Center Mon.- Fri. 8:30AM- 8:30PM Sat.- Sun. 8:00AM- 3:00PM Courtside cafe Mon.-Fri. 10:00AM - 6:00PM Starting 6/15 Mon.-Fri. 9:00AM - 7:00PM Sat. & Sun. 9:00AM - 5:00PM Clubhouse Bar and Grill Mon.- Fri. 5:00PM-10:00PM Alcoholic beverages are available to members and their guests. Weekly Happy Hour Specials Margarita Monday’s $4 House Margarita’s $2 off all other Margarita’s 5-8 pm 2 for 1 Tuesday’s Buy any 2 well drinks, draft beers or house wine and get the next one free. 5-8 pm Ladies Night Every Wednesday $6 Appletini’s, Lemondrop’s & Cosmo’s 5-8 pm Family Night Every Thursday 15% off all kid’s meals $3 Draft Beers 5-8 pm Events Karaoke with Frank & Gloria Friday, June 19th Friday July 17th Summer BBQ Series Friday June 26th, 5-8 pm Friday July 31st, 5-8 pm Friday August 28th, 5-8 pm Happy Hour BBQ, food and drink specials June/July 2009 17 SAVE THE DATE 13th Annual Alameda Meals on Wheels Community Faire & Wine Tasting Sunday, July 12, 2009 ● 1:00 – 5:00 PM Rosenblum Cellars, 2900 Main St., Alameda Called “one of the best events in Alameda,” this is the biggest fund-raiser of the year for Alameda Meals on Wheels. No admission charge. Donations welcome. Join us for an enjoyable afternoon… Taste of Alameda • Hors d’oeuvres from 14 local restaurants • Tucker’s Zinfandel ice cream Wine Tasting • Tastings from award-winning California wineries Silent Auction • Fine wines, gift baskets, vacation destinations Swing and Jazz Music • Music provided by Three O’Clock Jump For more information, visit alamedamealsonwheels.org For information about volunteering for Alameda Meals on Wheels or Alameda Friendly Visitors, or to begin receiving meals, please call (510) 865-6131. Alameda Recreation and Park Department Alameda Recreation and Park Department (510) 747-7529 (510) 747-7529 PRESENTS PRESENTS PRESENTS PRESENTS PRESENTS ForFor more aboutour ourprograms, programs, moreinformation information about please see our website: www.ci.alameda.ca.us/arpd please see our website: www.ci.alameda.ca.us/arpd Wet FamilyDay Day Wet&& Wild Wild Family SATURDAY, JUNE6,6,2009 2009 SATURDAY, JUNE $15 per per person & Up) $15 person(13(13Years Years & Up) $12 per person (Ages 3-12 Yrs)Yrs) $12 per person (Ages 3-12 FREE (Under (Under Age FREE Age3 3Yrs) Yrs) ENCINAL SWIM CENTER ENCINAL SWIM CENTER 230 Central Ave, 230 Central Ave,Alameda Alameda Group and Private Swim Group and for Private Swim Lessons all ages at Lessons for all ages at Encinal and Emma Hood Encinal Swim and Emma Centers!Hood Swim Centers! SAND CASTLE AND SAND SCULPTURE CONTEST SAND CASTLE AND Saturday, June 13, 2009 SAND SCULPTURE CONTEST Robert Crown Memorial Saturday, 13, 2009 StateJune Beach Robert Crown Memorial 9:00 a.m. to 1:00 p.m. State Beach FREE ADMISSION 9:00 a.m. to 1:00 p.m. FREE ADMISSION 18 June/July 2009 AA Benefit Benefit for for the the AlAmedA AlAmedA AnimAl AnimAl Shelter Shelter And And norcAl norcAl GSP GSP Benefit for the Fine AlAmedA AnimAl Shelter Shelter And And norcAl norcAl GSP GSP WhAt: A benefit held by Autobody Art for the Alameda AA Benefit for the AlAmedA AnimAl WhAt: WhAt: WhAt: A benefitShelter held byand Autobody FineRescue, Art for the Alameda Animal NorCal GSP featuring a Animal Shelter NorCal GSP featuring a silent auction hors d’oeuvres andfor cocktails A benefit heldwith byand Autobody FineRescue, Art the Alameda A benefit heldwith by Autobody Fine Art for the Alameda silent auction hors d’oeuvres and cocktails Shelter and NorCal GSP Rescue, featuring a when: Animal July 24, 2009 | 6-9 | Tickets: Animal Shelter andPM NorCal GSP$20 Rescue, featuring a auction and cocktails when: silent July 2009 |with 6-9 hors PM |d’oeuvres Tickets: $20 silent24, auction with hors d’oeuvres and cocktails where: Autobody Fine Art, 1517 Park Street, Alameda, CA 94501 when: July 24, 2009 6-9 PM Tickets: $20 where: July Autobody Fine|| Art, 1517|| Park Street, when: 24, 2009 6-9 PM Tickets: $20 Alameda, CA 94501 where: Autobody Fine information, Art, 1517 Park Street, Alameda, CA 94501 For tickets,and 510.881.6974 or visit www.autobodyfineart.com where: Autobody Fine Art, 1517 Park Street,call Alameda, CA 94501 For tickets,and information, call 510.881.6974 or visit www.autobodyfineart.com For For tickets,and tickets,and information, information, call call 510.881.6974 510.881.6974 or or visit visit www.autobodyfineart.com www.autobodyfineart.com www.HarborBayClub.com (510) 521-5414 COMMUNITY EVENTS CALENDAR Upcoming Community Service Volunteer Opportunities & Fundraising Events C C C C C C June 6, 2009 12:00 p.m. – 4:00 p.m. Wet & Wild Family Day – Alameda Recreation & Park Department – Encinal Swim Center (230 Central Ave.) Bring your entire family to this fun event. The day will include a barbeque lunch, as well as water games and recreational swim at Encinal Swim Center. Color Me Mine, The Paint-It-Yourself Ceramic Studio, will provide every child with a special ceramic painting project. In order to attend, all children MUST be accompanied by a parent or guardian, over 18 years of age. Pre-registration is required in order to guarantee adequate food quantity, ceramic projects and lifeguard staffing. For more information visit: www.ci.alameda.ca.us/arpd. June 12, 2009 5:30 p.m. – 7:30 p.m. “Sole Music” - Concerts at the Cove (West Alameda Business Association) – Crab Cove Come enjoy your favorite hits from the 70’s, 80’s & 90’s with “Sole Music” presented by 96.5 KOIT. Food, wine, beer & soft drinks for sale in designated area. Free, secure valet bicycle parking provided by Bike Alameda. For more information call (510) 523-5955 or online at www. WestAlamedaBusiness.com. June 13, 2009 9:00 a.m. – 1:00 p.m. 43rd Annual Sand Castle & Sand Sculpture Contest – ARPD – Crown Memorial Beach Free fun for all ages! Bring your shovel, bucket and creative ideas to build a unique work of art out of and. This FREE event is co-sponsored by the Bayview Women’s Club, East Bay Regional Park District, Alameda Youth Committee, and the Alameda Recreation and Park Department. Registration is from 9:00 a.m. to 11:00 a.m. that morning at Robert Crown Beach. Viewing and judging of the masterpieces begin at 12:00 noon. For more information visit: www.ci.alameda.ca.us/arpd. July 4, 2009 10:00 a.m. Mayor’s 4th of July Parade – City of Alameda The Alameda 4th of July Parade is the second longest Independence Day parade in the nation. With over 170 floats that travel a three mile route, the parade has become the central activity of the Bay Area’s Fourth of July weekend. The parade boasts the longest route in the United States, drawing over 20,000 spectators from the region. Parade entries cross the full spectrum of Bay Area residents and include equestrians, dance troops, floats and antique cars, and a large variety of bands. July 10, 2009 5:30 p.m. – 7:30 p.m. “Notorious” - Concerts at the Cove (West Alameda Business Association) – Crab Cove Come enjoy high energy hits from the 80’s and 90’s with “Notorious” presented by 96.5 KOIT. Food, wine, beer & soft drinks for sale in designated area. Free, secure valet bicycle parking provided by Bike Alameda. For more information call (510) 523-5955 or online at www. WestAlamedaBusiness.com. July – 7 Dates “Ragtime: The Musical of a New Century” – Alameda Civic Light Opera Evening Shows (8:00 pm)Based on the award-winning novel by E.L. Doctorow, “Ragtim” tells the story of America’s “melting pot” through the lives of three July 11, 18, 24, & 25 ethnically diverse, multi-generational American families who unexpectedly become entwined. Matinee Shows (2:00 pm) With powerful music and characters that draw you into their fascinating stories, Ragtime is a musical exploration of the dawn of the 20th July 12, 19 & 26 Century in America. All performances will be held at the historic Kofman Theater. This production is rated PG. For more information please call (510) 864-2256 or visit www.aclo.com. C July 12, 2009 1:00 p.m. – 5:00 p.m. 13th Annual Community Faire & Wine Tasting – Alameda Meals on Wheels – Rosenblum Cellars Called “one of the best events in Alameda”, this is the biggest fund-raiser of the year for Alameda Meals on Wheels and Alameda Friendly Visitors. Join us for an enjoyable afternoon which includes hors d’oeuvres from 14 local restaurants, Tucker’s Zinfandel ice cream, tastings from award- winning California wineries, a silent auction of fine wines, gift baskets & vacation destinations, and swing and jazz music provided by Three O’Clock Jump. No admission charge. Donations welcome. For more information, visit www.alamedamealsonwheels.org C July 24, 2009 6:00 p.m. – 9:00 p.m. “Dog Days Deux: Taking the Biscuit” – Alameda Animal Shelter / NorCal GSP Rescue – Autobody Fine Art This is Alameda’s Autobody Fine Art’s second annual event to support the Alameda Animal Shelter and Northern California German Shorthaired Pointer Rescue. With the current economic downturn, rescue groups and shelters are in need of support more than ever and these two vital community organizations shelter, foster and ultimately place unwanted or homeless animals in their “forever” home. Now you can help these groups and have a great night out! Catering will be provided by Flying Monkey Catering and the event will be sponsored by Rosenblum Cellars and Trumer Pils. The event will also feature a silent auction of pet related items and artwork, a raffle and cocktails. General tickets are $20. Tickets for children under 10 and retired persons are $10. For more information, please call (510) 881-6974 or visit: www.autobodyfineart.com . July 25th & 26th 10:00 a.m. – 6:00 p.m. 25th Annual Park Street “Art & Wine Faire” – Park Street Business Association Fun for the Whole Family! Art • Crafts • Food • Beer, Wine and Mimosas • 2 Music Stages • Kids’ Area Pony Rides • Petting Zoo • Shuttle Trolleys Rides. Valet bicycle parking provided by Bike Alameda at Wiener Schnitzel, at 1529 Park St. For more information call (510) 523-1392 or email [email protected] . July 29, 2009 10:30 a.m. “A Faire of the Heart” – Alameda Welfare Council, Inc. – Grandview Pavillion Alameda Welfare Council’s 81st Annual Summer Faire and Luncheon is a fun-filled event featuring themed boutiques which include a summer faire market, jewelry, home & garden, a silent auction and raffle prizes of up to $500. The luncheon buffet will start at 12 noon. An express business lunch is available. The Alameda Welfare Council is an all-volunteer organization dedicated to providing funding for local Alameda non-profit agencies. Past recipient agencies have included Girl’s Inc. of the Island City; Alameda Boys and Girls Club; Alameda Meals on Wheels; Alameda Food Bank; Red Cross Alameda Service Center; Tri-Hi Health; Alameda Family Service; American Red Cross Holiday Baskets as well as other Alameda non-profits. Your donation is $40 per ticket. Free parking and shuttle service is available. For tickets and information please call 510 523-6341. F F C C F Event Code Key: V = Volunteer Opportunity, F = Fundraising Event, C = Community Event To have your nonprofit event considered for inclusion in The Buzz Community Events Calendar, please send your information or a press release to: [email protected] www.HarborBayClub.com (510) 521-5414 June/July 2009 19 CLEAN UP. SIZE IT UP. STORE IT WITH US. The local leader providing the most secure self-storage and RV storage facility in the Alameda & Oakland Bay Area. SECURE YOUR PROPERTY WITH OUR: Electronically coded gate access. Individually alarmed spaces. Strategically located surveillance cameras. Security video monitors at several locations, including the business office and on-site living quarters. Professional resident managers. Conveniently located on quiet, safe, residentially Bay Farm Island. 383 storage units in our facility. 143 have an interior access walk- in units. 240 have an exterior access drive-up units. Indoor storage units range in size from 4’ X 5’ up to 10’ X 30’. Indoot storage units are 10’ tall. 115 parking spaces for your recreational vehicle, boat, or extra car or truck ranging from 10’ X 20’ up to 10’ X 40’. Moving and packing supplies. LIMITED OFFER: UP TO 2 MONTHS FREE RENT RV PARKING SPACE OR SELF-STORAGE UNIT 1 MONTH FREE with Pre-Paid 3 Months. 1 MONTH FREE 2nd MONTH 1/2 PRICE with Pre-Paid 6 Months. 2 MONTHS FREE with 12 Months Pre-Paid. “ When I got the call to leave for Iraq, I had 4 days to find a facility to store my personal property and catamaran. The staff at Harbor Bay were awesome-very professional and quickly arranged a unit and space for me. Within 24 hours, my belongings were safely tucked away at Harbor Bay Storage. “ IN OPERATION SINCE 1999 Bob Harrison, Alameda 500 Maitland Avenue Alameda, California 94502 510-769-5222 www.harborbaystorage.net