Fire Insurance.

 

The very mention strikes fear in the hearts of homeowners. With the recent catastrophic wildfires wiping clean whole neighborhoods, an unprecedented situation has arisen not only in the scope of the destruction by those affected, but in the environment that California homeowners find themselves in obtaining fire insurance to protect their residences and businesses.

 

Facing skyrocketing claims at saturation levels seldom witnessed, insurance companies are pulling back their exposure to high fire prone areas by cancelling in masse’ homeowner policies.

Nevada County’s beauty comes from being surrounded by trees and brush and its the very reason for cause of its insurance problem.

 

Home and business owners are finding cancellation notices arriving in their mailboxes. Regardless of loyalty or claims history with a company, the notices keep coming with seemingly no consideration for any other factors. Basically if you live here and home happens to be in a designated brush area, expect a cold hearted sounding letter to arrive in your mailbox.

 

Few have been spared. Regardless of the amount of tree work you’ve done, or open space that surrounds your house, if you’re on a specific spot on the map (and there are many such spots) you’re probably going to be scrambling for a fire insurance policy.

 

With such wide spread problems, there is likely to be misinformation, wild claims and exaggerations, some name calling and a host of upset homeowners.

And there are.

The basic question now being asked is where can I find fire insurance and how much will it cost?

The answer can be distilled down to a simple answer for most.  You will be able to find a policy somewhere and yes, it’s probably going to cost you more. In some cases a lot more.

 

As in any screwy situation like what exists currently in the homeowner’s insurance arena, there is no steadfast rule as to what to expect. As a licensed insurance agent, and one deeply entrenched in social and news conduits, I have seen little that resembles normalcy. I can say the stories run from ridiculous to unbelievable to situations that almost appear almost like little has changed.

 

Some claim they can’t get any insurance at all (usually untrue) to claims they actually paid the same or even less than before (usually untrue as well). 

 

From recent my experience, and probably like almost all agents in Nevada County and California for that matter, the intensity of the situation is as new to us as it is to you. The phones are ringing nonstop as consumers scramble for coverages.

 

Experienced agents know coverage is possible for most but that coverage is also going to cost more. In many cases, I see costs rising from 200-250% of previous premiums. Those claiming their premiums stayed the same or went even down may not have looked at their coverages closely.

 

It’s a rapidly changing environment. The common belief is the insurance companies are immersed in a Frankenstein-like confusion of an untenable situation. Some say it’s all one big grand experiment in what has to be done and what will be done forced upon all of us by necessity caused by the workings of Mother Nature.

The questions being when you get a policy (usually not if), how much will it cost and what sort of coverage will I get. If God forbid my house is obliterated in a catastrophic fire like the ones witnessed in recent years, will the insurance companies be able to handle the onslaught of claims in a timely and efficient manner. These are questions that are difficult to answer.

 

Lord knows the insurance companies, much like the agents, are bombed with fire policies applications. They are also bombed with claims. Having to settle hundreds of homeowner claims as whole communities get incinerated is no easy task, and likely not a cheap one for the insurers. Hence the cancellations.

 

Remember insurance companies, like most companies, exist to provide a service and make a profit in doing so. If the profits burn up in a wildfire along with the homes they insure, they are within their rights to pull back from the market. In other words cancel you.

 

The good news is there is an entity called Cal Fair.  From Google: “The FAIR Plan is an association located in Los Angeles comprised of all insurers authorized to transact basic property insurance in California

In other words, Cal Fair is made up of many of the same companies that cancelled you but assembled in conjunction with the Department of Insurance to provide insurance that otherwise is not available. Much like the assigned risk program for problem drivers, you could say Cal Fair is for problem home policies, and in this case the problem is wild fires.

 

I’ll cover how Cal Fair works and the subsequent coverage issues in future articles. Just know for now, you will likely have little problem in getting a fire policy. Contact a licensed insurance agency for assistance and yes, they are busy. If you find you’re not getting a call back, try another agency. There are a host of reputable agencies and agents in Nevada County that can help.

 

This article expresses the opinions of Marc Cuniberti and should not be construed or acted upon as individual investment advice. Mr. Cuniberti is an Investment Advisor Representative through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Marc can be contacted at SMC Wealth Management, 164 Maple St #1, Auburn, CA 95603 (530) 559-1214. SMC and Cambridge are not affiliated. His website is www.moneymanagementradio.com. Mr. Cuniberti is a licensed insurance agent. California Insurance License # OL34249

By Boots Johnson

 

Do not put away your salmon gear yet. Salmon are still being caught on the Feather River at this time. Striped bass are also hungry. Fishing is light which means fewer boats on the water. However, keep in mind that most of these fish will be on the dark side.

 

With the opening of Dungeness crab season we hear there is a health warning out for two coastal areas of the Pacific Ocean. The warning has been issued by the California Department of Public Health. The agency advises not to consume any part of the guts of the crab due to Domoic acid being found. This is a natural thing but can cause a human to be sick which includes nausea, diarrhea and dizziness.

 

Just about everyone has the same thought….when is it going to rain? We are told by our weather source to be patient because it is on the way and according to him Mother Nature will produce some big storms.

We have a report from Lake Almanor at Chester. The fish who swim in this reservoir (yes, it is a reservoir which is sitting right on top what used to be an Indian village) are finally cooperating with some limits being taken. Now is the time to go if you want good action and beautiful fish.

 

Donner Lake got another trout plant last week. The Department of Fish and Wildlife dumped a bunch of rainbow trout in the lake.

 

Closing Thought: “The happiest people are the givers…….not the takers.”

 

Starring: Linda Hamilton, Arnold Schwarzenegger, and Mackenzie Davis

Rated: R 

Runtime: 2 Hours 8

Minutes  4/5

 

            This is the sixth rising of the machines. Sarah Connor, is pulled back into the time loop as several timestreams merge on 2019 earth. Skynet is crushed and a new human defense system rises in its place. The defense system gets frustrated when it can’t hook up to a printer and decides to wipe out all of humanity. (That last sentence is complete speculation on my part, but I can relate.) New fighters rise to meet the challenge of saving humanity from their own creation.

 

            Terminator: Dark Fate, earns four out of five, Drape Hanging Monkeys. The story has many of the elements of the other five Terminator movies, by default. However, the story is saved by adding more depth to the future and tying in new elements of the present.  The real treat is in the character development and unique traits that they have. The acting is very well done and the special effects are off the hook.

Wildfires damage crops, pastures, buildings

 

Nearly 200 acres of avocados and lemons have been damaged or destroyed in Ventura County, after wildfires that broke out last week. The county agricultural commissioner's office says it hasn't yet had a chance to assess all the farming areas affected by the fires. In Sonoma County, farmers and ranchers say the Kincade Fire destroyed pastures, barns and winery facilities. The fire also hit grapevines, which often acted as firebreaks.

 

Power shutoffs lead to agricultural losses

 

The frequency and duration of public safety power shutoffs led to hardships for farmers and ranchers, especially small-scale operations that lost products during the blackouts. One Mendocino County farmer who runs a goat dairy said she had to milk her goats by hand and discard the milk, because she couldn't use her milking equipment or cold storage. Other farmers said the shutoffs interrupted irrigation schedules and in some cases forced them to abandon crops.

 

USDA releases new red spinach

 

In a development a plant breeder says will "bring excitement to the spinach market," the U.S. Department of Agriculture has released what it calls the world's first true red spinach. Known as USDA Red, the new spinach variety was developed at the department's facility in Salinas. Other types of spinach have had red veins, but the new variety has red leaves--and also boasts higher antioxidant levels than other spinach varieties.

 

Revenues from agricultural tourism increase

 

Agricultural tourism continues to grow, according to the latest U.S. Census of Agriculture. Figures show agritourism revenues more than tripled between 2002 and 2017. A government study says commodities such as grapes, fruit and nut trees, and specialty livestock had a positive impact on tourism revenues. The report says agritourism could offer a strategy that helps small and mid-sized farms in particular to bring in additional revenue.

        Don't forget the Thrift Store Bazaar, it will be held on Nov. 22 – 23. This is a good chance to open the holiday season buying a few baked goods and checking out their gift selections and Christmas decoration items. In addition, of course, it helps support Foothill Volunteer Fire Department.

 

            Watching the Gold Eagle Market go up is exciting! Are there any guesses as to when the opening day will be? It sure has been missed.

 

            Look Back in Time – In 1914 Challenge Hotel, owned by by Dr. J. Van Male, burned to the ground in the early morning hours, a great loss for the town and travelers (fires are still one of our most feared disasters).

 

            Hope to see you in Brownsville soon.   

 

            Christine and Yvonne

The general meeting of Yuba Feather Community Services will hold its monthly meeting on Tuesday, Nov. 12. This group organizes the use of Ponderosa Park and Community Center. The public is welcomed to get involved in the various activities, helping bring our communities together on various projects. The meeting will start at 7 pm downstairs at the community center.

 

            Monday, November 11th is Veteran’s Day. We should always keep our veteran’s and current military personnel in our thoughts and prayers, but Veteran’s Day is a great time to make an extra effort to show our appreciation for their sacrifices with a handshake or hug. Without them all, we would not be able to live our life of freedom.

 

            Books & More has craft sessions each Saturday from 10 am to about noon. The knitting group has become quite popular. Call Books & More at 530-675-3275 for the list of crafts being offered and to sign up.    

  

            Look Back in Time – In 1900 stage driver C. A. Smith was driving a flashy, newly painted coach, done by the local artist C. F. Harvey of Sharon Valley (love a flashy paint job on pickups).

 

            Hope to see you in Brownsville soon.            Christine and Yvonne

By Boots Johnson

 

As we predicted there have been some nice sized trout taken in reservoirs and lakes in the north state. This time of year the big boys as well as the smaller fish go on a feeding frenzy getting ready for winter. It is not uncommon to find brown trout cruising the shallows next to shore as they gorge themselves preparing for the cold months to follow along with snow and ice in some areas.

 

The Mackinaw lake trout up at Lake Tahoe have gone into the spawning mode. The fish have been holding at between 140 and 200 feet down and are cooperating with anglers fishing minnows.

 

The Department of Fish and Wildlife have announced they will stop the planting of trout in rivers, streams and reservoirs soon. As of now trout have been planted in Little Grass Valley Reservoir and Jackson Meadows along with other areas. The planted trout program will be back next spring.

 

A report from Clear Lake tells us if you love bass fishing now is the time to go. Bigger bass are being taken at this time, some in the six and seven pound range.  Best bet is to use jigs with crank baits and deep diving lures coming in second.

 

It is getting cold, real cold up in the high country with Lake Almanor and Eagle Lake showing a little colder at this time. Eagle Lake temperature has been 65 degrees daytime and 34 degrees nighttime and dropping. Quincy, which is close to Little Grass Valley Reservoir has been holding at around 69 or 70 degrees in the daytime, but dropping down to 27 at night. Expect these reading to continue to drop as we continue into November.

 

The trout fishing at Collins Lake continues to be good after the recent plant. Catfish are still being taken on a regular basis. Expect this reservoir to be a good bet for trout throughout the winter due to the continued planting program for rainbow trout.

 

Closing thought: “Work for a cause, not for APPLAUSE and live to EXPRESS not to IMPRESS.”

 

I’ve done many media pieces on running a restaurant but apparently although many readers and fans of Money Matters are reading them, few restaurant owners apparently are. That said, we all want better service in our local eateries so let’s put out our peeves (suggestions) once again.

 

There are cardinal sins, forgivable oversights and outright stupidity when it comes to how to run a restaurant.

Have I ever run one?

 

Nope, but my father in law had one of the most successful restaurants in the second largest city in the world, Sao Paulo, Brazil. I learned some from him of course, but most of the suggestions border on some obvious do’s and don’ts and frankly I am surprised I keep seeing at least a few of these mistakes more often than not when I dine out.

 

The cardinal sins are so obvious but seldom is a restaurant error free. I can think of one or two eateries that just have it down, then there’s the rest. I eat out a lot and although I am not a food connoisseur by trade (whatever that is) I know good food when I taste it and good service when I see it. And vice versa.

 

I am also not one of those who give glowing reviews on every restaurant I eat at under the guise “they’re trying and I am nice person and don’t want to burn any bridges”.

 

Hey, I don’t like burning bridges either but what good is a review if every restaurant I review is positive?

On the contrary, giving honest reviews is no jab against an owner. It’s an honest evaluation on how to improve and therefore get more business. So what’s wrong with that? Also for every one person that complains there are likely ten more that don’t. That’s the Pareto rule of eateries.

 

So here we go. Make these mistakes and you’ll find empty tables at primetime if not at all times.

How many of these do you recognize or are guilty of?

 

A customer should never have to ask for silverware or napkins, salt or pepper.  I mean really. That’s kind of a no brainer but it happens more often than you would think. Owners: prepare your tables, and that include making sure they are clean, as in very. Also nothing is more unappetizing then left over food on the floor. Sweep up! Thoroughly and often. Check after every table is vacated.

 

Immediately upon sitting get their drinks! Don’t make them wait. Getting drinks right away makes customers more patient and if you serve alcohol, do it immediately. Like within 3 minutes. They’ll order more food, be happier, likely also order more drinks (a high profit item) and you‘ll make more money both on food and drink. Practice this one diligently and owners can increase check totals by up to 20%.  Remember alcohol stimulates appetite, loosens up the pocket book, trashes common sense (good for the restaurant) and patrons have a better time. Tell that talkative bartender to zip it and get on his horse and quickly mix drinks! This one is the easiest way restaurants to make more money (a lot more money) yet many just leave patrons sit for 5, 10 or 15 minutes before their drinks are served. Stupid. Let’s fix that right now!

 

Don’t be a show off and memorize orders. Write it down. Nothing makes a patron more nervous than a showoff server memorizing 4 orders with sides and specials. They will be looking for mistakes and its nerve wracking. Drinks maybe, but not complete food orders. Use a pad Einstein.

 

Serving cold food. I once had a waitress tell me after I told her the food was cold she would talk to the cook. Think about that one. The cook had to use HEAT to cook it. Cold food meant it sat. That is the servers fault period.

 

Serve all dishes at the same time. Nothing spells disorganization more than dishes arriving at different times. An amateurish mistake and shows a disorganized cooking staff. And don’t forget the toast! And if you do, get it immediately.

 

Don’t forget the ________ (fill in the blanks). Salad, toast, cream ,sugar, a spoon, drinks, sides. Whatever. Make sure they get what they ordered and at the right time and correctly.

 

Don’t serve brown or wilted salad or fruit. Fresh is fresh. Serving ugly or old greens mean it made it by the cook AND the waitress. Note very good quality control. Each person in the restaurant should have the authority to stop food from going out and asking for a correction.

 

Don’t bring dirty dishes or the wash tub to an occupied table. Yuch. And don’t leave the dirty dishes out for customers to see. I once was invited to the fanciest steak house in Portland and they had the dirty dish cart full of dishes in the entry way. I kid you not.

 

Know what the soup of the day is. I can’t tell you how many times I ask the waitress what the soup of the day is and they answer “let me go find out”. Really? Check at the start of every day!  And make sure its HOT!

Don’t ever say “I’ll get your waitress” for simple things like water or coffee.  Every worker should have the authority to serve coffee or get something for a customer. Every customer is everyone’s responsibility.

Don’t ask how the food is when you see patrons eating and talking. They’re obviously happy. Don’t bother them. Walk by and take a peek instead. If they need something they’ll stop you. Be subliminally available, always looking but never interrupt them with full mouths or while they’re obviously doing fine without you.

Don’t clear plates before all customers are eating and done. So many restaurant staffer and owners alike think clearing dirty plates from patrons quickly is good service. It’s not. It’s rude and make patrons feel rushed and some like to pick. Fancy restaurants that know what they’re doing never do this. Don’t clear plates or offer to until all patrons are completely done.

 

Ask patrons if they desire dessert. Better yet, tell them the desserts in detail without them asking. If it sounds good enough they might just split one, or better yet order a few. Suggestive selling works and it’s why the smart fast food behemoths do it. Even a breakfast or lunch can be topped off with that homemade pie. Yumm. More coffee with that sir?

 

Don’t make people ask for their check. Another amateurish mistake. After telling them about and/or serving dessert, ask them if they are ready for the check. Don’t make them ask and don’t just plunk it down like a wet fish. Be polite and gentle. It’s the money part, be nice about it.

 

Finally make sure your servers are nice and friendly. If they’re rude, have an agenda, are snobby or are the ‘b” word, get rid of them. They are your FACE to the customer. A rude waiter or waitress can make a customer not come back. Then they will tell ten friends. Word of mouth can make or break you.

 

And if you’re opening a restaurant, be ready on day one! Many will only give you one chance. Blow the open and say goodbye to your investment. It’s very difficult to recover. First impressions in the restaurant business are SO IMPORTANT. Don’t make excuses like “we just opened”.  If you’re not completely ready, DON’T OPEN. Then take the extra time to TRAIN your staff well. On all the above. And make it known anyone not onboard with this kind of knowledge and service will be shown the door.

 

9 out of every 10 new businesses fail. In the restaurant business, 14 out of 15 don’t make it pass the first two years. If you currently own a restaurant, review all your practices and make sure you’re not overlooking some of these no-brainers. Ignore at your own peril.

 

Marc Cuniberti hosts “Money Matters” on KVMR FM aired on 66 radio stations nationwide. He is a financial columnist for a variety of publications. Marc holds a BA in Economics from SDU with honors 1979.

 

His website is moneymanagementradio.com and he can be reached at (530) 559-1214. Visit him on Facebook (FB) under Marc Cuniberti and also on the "Money Matters” and “Money Matters Investing in Community" FB pages and You Tube. The views expressed are opinions only.

 Kincade Fire sweeps through farming region

 

Assessing agricultural damage from the Kincade Fire will take some time, once the fire has been contained. Flames have destroyed or damaged wineries, barns and other structures in Sonoma County. A 107-year-old cattle ranch lost nearly all of its buildings. Reports indicate between 10 and 20% of the region's winegrapes remain on the vines. The county Farm Bureau has helped relocate evacuated farm animals and organized a hay drive. (on-air reading time :23)

 

California almond, walnut crops to be smaller

 

Rainy spring weather that reduced California almond and walnut crops will lead to ripple effects on world markets. A government report says world almond production will be down 3% this year, mainly due to a smaller California crop though production will also be down in Europe. However, world walnut production will rise 6%, despite a reduced California harvest, because better weather in China allowed its production to rise sharply. (reading time :24)

 

Drought-tolerant plants could result from research

 

In work that could help plants resist drought, a research team at the University of California, Riverside, says it has developed a chemical to help plants retain water. Known as O.P., the chemical mimics a natural hormone plants produce in reaction to drought. Researchers say the O.P. chemical could ultimately allow farmers to treat plants that would otherwise wilt from lack of water. The treatment slows a plant's growth, so it won't consume more water than available. (reading time :24)

 

Pumpkin crop looks healthy

 

It may be obvious from looking at jack-o'-lanterns on front porches around the state, but California has produced a "healthy" pumpkin crop this year, according to the U.S. Department of Agriculture. California ranks third in the nation in tonnage of pumpkin production, behind Illinois and Texas, but ranks No. 1 in crop value, because nearly all the state's crop is sold in the ornamental market. San Joaquin County leads the state in pumpkin production. (reading time :23)  

Starring: Woody Harrelson, Jesse Eisenberg, and Emma Stone

Rated: R

Runtime: 1 Hour 39 Minutes

2/5

            A cadre of apocalypse survivors travel to Washington DC to make the Whitehouse their home. Soon, discord arises that necessitates a road trip.

 

            Zombieland: Double Tap, earns two out of five: Hook Hanging Monkeys. The story is shallow and well designed for cheap entertainment for a quick dollar. The acting is good and the action and cinematography are very well done.

 

            This isn’t a horrible movie. It is just not a great movie. The jokes and gags were easy and grew tiresome as the body count rose. My suggestion is to stay home and wait for it to hit free streaming.

            Stop by Books & More on Saturday, November 5 to purchase one of the delicious soups being offered by Loretta’s More than Soup. All soups are frozen so you can warm and enjoy at your pleasure. She will be set up from 9 am to about noon so get there early.

 

            Thursday is Halloween and Brownsville, Forbestown and Loma Rica all have Trunks with Treats events happening. Bring the little goblins out for an evening of games, food, trick or treating, haunted house, bounce house, and much more. Brownsville and Forbestown event will be 5:00 – 8:00 and Loma Rica will be 6:30 – 7:30. Brownsville: Foothill Fire parking lot on Willow Glen Rd, Forbestown: New York Flat Rd., Loma Rica: Foothill Lions Club, Fruitland Rd. All three events will be Spooktacular!

 

            Well, here we go again, changing the time! Daylight saving time ends on Sunday, November 3rd so don’t forget to set your clocks back before you go to bed on Saturday. This whole changing the time back and forth twice a year is irritating and ridiculous! There, I’ve had my rant.

 

            Don't forget the Brownville Thrift store's Bazaar happening on Friday Nov. 22 and Saturday Nov. 23. Great bargains await you and lots of desserts to tempt you. This event makes money for our Foothill Volunteer Fire Department.

 

            Look Back in Time – In 1914 Challenge Hotel, owned by Dr. J. Van Male, burned to the ground in the early morning hours, a great loss to Challenge residents and to travelers (wonder if it was his fireplace that started the fire).

 

            Hope to see you in Brownsville soon.    Christine and Yvonne

By Boots Johnson

 

Reports tell us the poor salmon fishing on the Sacramento River and Feather River is also the situation on the Smith and American Rivers as well. We are told the only place to score on salmon is the Barge Hole and Woodson Bridge areas on the Sacramento River if you don’t mind crowds and tangled lines.

 

It is that time of year when the wind blows, the leaves fall, the sunny days are replaced with cooler temperatures and some fishing areas are closed for the winter. In addition, this time of year is the best bet to score on a large trout in lakes and reservoirs or steel-head in local rivers.

 

Englebright Reservoir, above Marysville is putting out some nice rainbows at this time. The fish are hitting night crawlers behind flashers in the middle of the lake.

 

Spotted bass are holding at between 20 and 40 feet of water at Lake Oroville. Best bet is to troll lures at this depth or try jigs.

 

Reservoirs are dropping and many have or are turning over which will put the fish more to the surface than down deep. Water temperatures have dropped some but expect this to be more intense with the coming cooler weather.

 

We checked with our weather source. He has predicted cooler days and night through October and into the first week of November. He also told us to expect early snow this year along with lots of rain this winter.

Shore anglers at Lake Davis, which is located near Portola, have had success using power bait or inflated night crawlers. Mallard seems to be the best area. Flies such as Woolly buggers are doing well on or near the surface. Surface temperature has been running around 53 degrees. All docks here have been removed for the winter.

 

As we reported last week Eagle Lake near Susanville has turned over. Anglers on the know have been scoring trolling flies on the surface of the water. All hazardous markers and buoys have been removed for the winter ahead. Boaters are advised to be cautious at this time.

 

Closing thought: “I love it when someone’s laugh is funnier than the joke.”

About a year ago I penned an article about the recent, as in a decade or so, movements to destroy, relocate or otherwise deface historical artifacts like statues and monuments because of political correctness.

Civil war statues are moved from courtyards or courthouses, protesters deface or destroy them, sports team’s names are under fire, once famous food branding is altered or changed altogether. The list goes on and on.

 

My original article took the spin that an historic work of art or plaque, saying or allowing representation of, displaying or promoting, or just allowing such historic things to exist in today’s time no more says that you support whatever it was that it signified, just as removing or altering such a thing indicates that you don’t.

Here is an example to illustrate what I’m talking about:

 

A friend of mine got a pair of healing snakes tattooed on her leg and when I asked why, was told to represent she was healing from a past relationship. Such a story might also apply to a lovers name tattooed on one’s arm. She had one of those too. Go figure right?

 

The reality of it is just because you have a healing snake tattoo doesn’t mean you are necessarily healing and not having one doesn’t mean you aren’t.

 

The same could be said tattooing a lovers name doesn’t mean you love them anymore and not having one doesn’t mean you love them less.

 

Ditto for destroying or defacing, removing or altering civil war flags or statues. Just because you did doesn’t mean racism no longer exists and just because their on display doesn’t mean you support slavery.

Travel down that path and half the world’s art and artifacts would go up in a protestor’s puff of smoke.

These are historic artifacts and a part of our history, like it or not. I where we came and that applies to all Americans.  Many of these pieces are precious works of art.

 

So following their logic, if you could call it that, Rome killed Christians because of their religion. Obviously a restriction of religious freedom and a major violation of human rights. Shall we destroy all Roman statues or knock down the Coliseum?

 

Hitler attempted and partially succeeded in massacring an entire race. Shall we now destroy all the WW2 German artifacts? Or is it simply we pick and choose because of the amount of time that has passed.

Obviously Rome was a long time ago, so apparently it's ok we let those artifact remain. Wait minute, the Nazi regime was only about 80 years ago, and the Civil War 158 years ago. But WW2 artifacts are ok but the civil war is not?

 

Humm.

 

Something's not adding up. Perhaps those that want certain past representations destroyed because of bias yet allow other artifacts to remain have their reasoning  in who or what group was enslaved, killed or tortured rather than a blanket protest against discrimination itself?

 

Let’s see now. The Nazi’s targeted Jews and the Romans hunted the Christians.

 

Suppose I dare not go there.

 

In any case the logic is idiotic and the acts ridiculous. The hurling of rocks at civil war statues. The destruction of certain collector flags, the removal of a gold miner statue at a college in so called respect of the Native Americans because gold mining was a scourge of native lands. The removal of books like Huckleberry Finn from certain school districts. Even flying an American flag can get you into trouble in some places apparently because it means you support a certain President.

 

I would say “what the ----“ but this is a family newspaper and I’m supposed to be a respectable columnist.

In any case the latest in the saga of the destruction of American culture akin to the Nazi’s burning books the political correctness Gestapo have set their sights on Mel Brooks and his   award winning film “Blazing Saddles”. Those of you who saw it, and likely not many haven’t, know its contents. I won’t hash it out for the four or so people who haven’t seen the flick but just know it’s a parody on racism set in cowboy times.

It’s a ridiculous assumption to think Mel Brooks, a brilliant film producer, is a racist. In fact he is a Jew and made another film just as controversial called “The Producers” which takes a similar tact on the Nazi regime. And to destroy or not air the film or even protest it is another in many slippery slopes those that advocate such things are going down.

 

That the social warriors of correctness continue their zero tolerance practices against anything they find offensive, the irony and contradiction is too funny for words. Actually it’s not funny at all.

 

Considering all the works of art and books that the Nazi’s burned and destroyed, it’s a sick twist on life that those trying to preserve their so called perfect view of America, in aiming for a world with no references to intolerance to be left standing, that in course of their self-administered “purification” of America, they are not only wiping clean some of its history, they are acting a lot like the subjects they so abhor in the two Mel Brooks films.

 

Think that ever dawned on them? Not likely. They’re too busy trying to find more examples of intolerance that they can’t tolerate.

 

Marc Cuniberti hosts “Money Matters” on KVMR FM aired on 65 radio stations nationwide. He is a financial columnist for a variety of publications. Marc holds a BA in Economics from SDU with honors 1979. His website is moneymanagementradio.com and he can be reached at (530) 559-1214.

 

Visit him on Facebook (FB) under Marc Cuniberti and also on the "Money Matters” and “Money Matters Investing in Community" FB pages. The views expressed are opinions only.

Featuring the Voices of: Oscar Isaac, Charlize Theron, and Chloë Grace Moretz

Rated: PG

Runtime: 1 Hour and 27 Minutes

2/5

 

            A Macabre family is driven from their homeland by a frightened populace and find respite by infesting an abandoned insane asylum. Through the years the family settle into a routine of casual torture and attempted murder, said routine is interrupted when a new town is built in the idyllic vision of a reality TV, home designer.

 

            The Addams Family, earns two out of five, Sword Dancing Monkeys. The story seems to be written more as a sight gag film than a fully realized premise. The animation is crisp in its style and reveals an interesting palate. The voice acting is top notch larynx acrobatic gold.

 

            The Addams Family, is a fun film to see at home after it is released to streaming and video, not so much worth the price of a ticket to see on the big screen. However, if you are a fan of the TV show, don’t listen to me go and watch what you want and enjoy, or else...

The latest in economic figures out from the Commerce Department (CP) shows Gross Domestic Product (GDP) at 2.1%. GDP for the second quarter of 2019. GDP is defined as the sum of the market values, or prices, of all final goods and services produced in an economy during a period of time. (Investopedia). 2.1% puts it on par with the post 2008 expansion which many regard as anemic (The 5 Min. Forecast).

Figures from the previous quarter (1st qtr. of 2019) were also revised downward and are short of the Whitehouse target of 3%.

 

Many economists argue GDP is non-representative of the living standard of the average American as the figure includes many parameters, adjustments and assumptions that don’t apply to the day to day living expenses of the consumer.

 

The latest figures show government and consumer spending as the biggest contributor with business investment woefully lagging. Stock buybacks by companies took up some spending and that kind of makes some sense. If businesses aren’t spending money on expanding, they might opt to spend some excess cash buying back stock from the public. By taking some stock back off the market which is what happens during a stock buyback, it has a tendency to lift the stock price. Not always mind you, as once again the caveat “nothing is for sure when it comes to the stock market” comes into play.

 

One of the big questions that seems to never leave the evening news when it comes to the stock market is are the GDP figures bad enough to prompt the Federal Reserves, here forth called the Fed, to lower interest rates again just like they did on July 31st, 2019 where they dropped it for the first time since the 2008 crisis. The most watched interest rate manipulated by the Fed (fed funds rate) went from 2.25% to 2%, a quarter percent reduction.

 

What’s the thinking when it comes to dropping rates?

 

From USA Today: “The Fed lowers the fed funds rate to stimulate the economy by making it cheaper to borrow money. Rates on credit cards and home equity lines of credit track the fed funds rate closely and provide more spending power for American”.

 

More often than not, in recent decades at least, what the Fed does can have a significant impact on market reaction. As always in the markets, one never knows what the market will do as a whole, and if economic conditions deteriorate, the markets may run in anticipation of a Fed interest rate drop in response. On opposite side of the spectrum, if the economy shows itself to be booming, where normally one might think that would prompt stock buyers, the opposite might happen. Good economic news might lead to a drop in markets as investors anticipate a Fed rate increase.

 

What’s to learn from all of this and how can we use it to guide our investing? In reality, the best move is not to worry about day to day movements in the markets. My personal opinion is the common belief of holding for the long haul exposes one to a 2008 type melt down and no one can say for sure whether next time it will stop falling like it eventually did  in 09 (-54.1 % loss October 07 – March 09- The Dow- Wikipedia). Who is to say next time won’t be worse right?

 

But day to day movements due to Fed interaction can be a flash in the pan. Economic fundamentals are a more reliable indicator, at least in my opinion, to better base investing decisions on, and those fundamentals can be better evaluated and communicated to you by an economic professional obviously.

Keep in mind investing involves risk and you can lose money. Consult a qualified financial professional before making any investment decisions and do your own research before investing. This is not a solicitation to buy or sell any securities. This article expresses the opinions of Marc Cuniberti and are opinions only and should not be construed or acted upon as individual investment advice. Mr. Cuniberti is an Investment Advisor Representative through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Marc can be contacted at SMC Wealth Management, 164 Maple St #1, Auburn, CA 95603 (530) 823-2792. SMC Wealth Management and Cambridge are not affiliated.

 

His website is www.moneymanagementradio.com. California Insurance License # OL34249

By Boots Johnson

 

Fishing in the Yuba Sutter area has slowed down. The Feather River has dropped down a bit and other waters have begun getting into the winter mode. I can recall many Octobers when the weather was actually on the hot side. This is not true so far this month. Our weather source tells us he expects the last part of October to be a bit warmer, but not anything in the 90’s.

 

Lake Berryessa is still in the news, but some anglers are shaking their heads in disgust while others are jumping up and down with a big smile on their faces. We always called this kind of fishing and a hit and miss situation.

 

The fishing at Collins Lake for trout has been slow but this is about to change. The Lake received its first fall trout plant a week ago last Saturday. A thousand pounds of rainbows were dropped in the lake which should boost up the catch as soon as the fish adjust to the change. The catfish bite is still on and some nice fish have been caught.

 

Eagle Lake has turned over so the trout are near the surface at this time. Best bet is to forget about deep water and go after the trout with surface lures or flies. Stay in the shallow areas of the lake in 10 to 12 feet of water.

 

We hear from Lake Almanor. Conditions here are about the same with few boats on the water. The water temperature continues to drop and the fish here are not cooperating with just about any type of bait fishing or trolling.

 

The brown and rainbow trout in Lake Tahoe are feeding in the shallows at this time. Best bet here is to troll with flashers and worms or minnows.

 

There is definitely a chill in the air early in the morning and the leaves are beginning to turn color and fall to the ground. I love this time of year as Mother Nature signals the end of another summer and the beginning of winter. Of course, there is also a ton of work to be done in regard cleanup and of course getting the boat and tackle ready for a siesta until spring.

 

Closing thought: “The secret to a long life is to eat half, walk double, laugh triple and love without measure.”

 

 

 

At the Studio Movie Grill in Rocklin

 

            Twenty some odd years ago the heavy metal band, Metallica, teamed up with the San Francisco Symphony in a collaboration that melded two forms of music into one amazing performance that true fans can celebrate. This was a fun experience and everyone in the theater seemed to really enjoy it.

 

            I am in no way a music critic so I will give no evaluation to the quality of the music. I do however have a feel for venue experiences. Ordering dinner and drinks while watching a movie or in this case a concert is new to me and it was an interesting experience.

 

            Tickets can be purchased online or at the door. Once seated a waiter brings a menu and starts a tab. You push a button when you are ready to order, the waiter takes your order and the food is delivered directly to your seat. You may order more food or drinks during the show. This is not any more distracting than someone getting up to go to the snack bar during the film. At the end of the performance or movie your bill is brought to you and you sign it and go home. Tickets were $15.00 per person and dinner was $45.00 for two of us. Regular movie tickets will cost less than special events.

 

The theater was clean and the staff was friendly and the seats were comfortable. All in all it was a good experience and worth the drive to see. I personally will save it for a movie that will be epic or to go with a group of friends. As if I have those.

With Bernie Sanders all but out of the presidential race due to a recent heart condition, the Democratic favorite seems to be Elizabeth Warren. But for the Democrats this presents a bit of a problem. Her and Joe Biden are neck and neck according to some poles.

 

Of course  Biden has his own political problems that will no doubt surface should he be the candidate to represent the Democratic Party. It would definitely be a battle and the perception of him being a good old boy and  white male candidate he may not appeal to some more left leaning voters. Elizabeth Warren on the other hand is leaning more socialistic than many in the main stream would prefer. The money obviously is more supporting Donald Trump with Trump having raised at least five times more money than the opposition. Apparently Wall Street fears  the socialism  represented by Warren and in an  attempt to compete with Warren, Joe Biden has also been more socialistic in his rhetoric of late.

 

That said the more well spoken and “cleaner” candidate for the Democrats in my opinion is Elizabeth Warren. No doubt this fact is scaring some Democrats as they realize that she may be just too radical and socialistic to be actually elected. Enter another candidate of which some may have expected but I did not. Apparently in recent polls Hillary Clinton is running third among Democratic candidates.

 

And she’s not even running. 

 

The rumor is that she will enter the race lead as a savior to the Democratic Party. Obviously the stench of the Clinton candidacy will rub some the wrong way but when you think about it, she would be the most main street in comparison to Trump. Fact is she has been close to the White House in her previous role both as first lady and in various appointed official positions.

 

Of course  the initial fanfare around a Hillary entrance would be great and that might give her enough momentum to make a serious challenge to the president.

 

She would be the first woman president and a president that, to the chagrin of many, is a buddy of Wall Street. No doubt the rumors of her paling up with her Wall Street buddies might be an issue, having made millions in speaking engagements to various banks and the like. This might hurt her some but in comparison to Trump those rumored connections shouldn’t hurt her much. I have to admit I was surprised when I heard the strategy and the possibility that she would be running. Although I won’t vote for her myself I think that particular possibility give the Democrats the best chance at a serious run at the White House. It will remain to be seen whether she can beat Trump but having heard it just a few days ago and dissecting the strategy, in my opinion it borders on brilliant. 

 

Keep in mind there will be people that will not vote for her no matter what, but compared to the other candidates that are in the race, this may be the Democrats only glimmer of hope.

 

Surprised?

 

I was.

By Boots Johnson

 

Reports keep coming in about the salmon run getting better. We hear the catch is better above Gridley and some anglers are having luck in the Sacramento River, but we have not heard of any outstanding success at this time.

 

Lake Tahoe is still on the mackinaw bite with lots of action from the South Shore of the lake. Fishing is also good to fair on the North Shore. The kokanee have entered Taylor Creek to spawn. This creek has access, trails and information available and if you go you can stand right next to the stream to see the fish. There will also be several mallard ducks to entertain you as they dive for the roe and once in a while a bear will appear out of the forest and brush areas. This would be a wonderful experience for the kids whether they fish or not. Best time to go is now and into October. The entrance to the area is located off of State Route 89 several miles from South Lake Tahoe. Watch for the signs on the right side of the highway.

 

The forest service is starting to close campgrounds in the high country and it is getting very cold up that way. If you decide to give it one more shot we suggest warm clothes and prepare for a possible storm.

Lake Berryessa is putting smiles on anglers with success on bass very good at this time. The fish are good size with some in the three pound range.

 

We have another report of a big catfish caught, but this time it is not at Collins Lake. We are told the catfish was over ten pounds and was caught in the Sutter Bypass. The bait used is unknown, but the lucky angler did say it was stink bait of a private recipe.

 

Closing thought: “Don’t look back……you are not going that way. Instead make today ridiculously wonderful.”

Foothill Thrift Shop plans to have a major half-price sale from Oct. 30 through Nov. 9. This clearance is necessary as they get ready for the holiday season. They will be unable to accept donations from Nov. 1 to January 1. Come by and take advantage of a real bargain.

 

Our communities often come together with great volunteer programs. The Thrift Shop and the Fire Department are just two examples. Farmer's Market was a brain child of a few people and did a lot of good through the summer. Books & More had a hot dog lunch a while ago and the number of people working to set it up was impressive, about six people working together, were enjoying each other's company. Our next volunteer effort will be a community van. We have the van, donated by a local couple, and now to work out the plan. We will be looking for drivers as well as people needing rides. There will be a charge for rides that will help cover gas and insurance. We plan to offer rides to Stone Soup, local businesses as well as a ride to town. Perhaps the van will be available for group field trips. Sounds good; now to get the Van Plan together.

           

The Foothill Pantry will be serving up their annual Fall Pancake Breakfast Fundraiser on Saturday, October 18 at the Alcouffe Center from 8:30 am to 11:00 am. Breakfast will include all you can eat pancakes, 2 each of bacon and sausage, fresh fruit salad and beverage. Tickets can be purchased at the door. Adults are $6.00 and kids, 11 and under are $3.00. Stop by and check out the bake sale table. The Alcouffe Center is located on Marysville Road in Oregon House.

           

Look Back in Time – In 1926 LaPorte cattlemen A.L. And A. A. Bustillos drove their cattle out of the mountains to winter range near Durham (now we transport them in trucks).

           

Hope to see you in Brownsville soon.            Christine and Yvonne