Category Archives: Weekly News Columns

A Different Perspective

By Mark Hopper

 

Recently, my wife and I had the opportunity to travel to Niagara Falls near Buffalo, New York.  We had never been there before and it was something we had talked about doing for a long time. The Niagara Falls were amazing!

We actually visited the Falls three different times on our trip. On our first visit, we drove over the bridge to the Canadian side. The sky was overcast and gray. The heavy mist churned up by the power of the falls obscured most of our view. We did walk down several tunnels that provided a limited view from behind the falls.

In addition, we took the Horn Blower boat that goes upriver to the base of the Falls. They issue every passenger a plastic poncho because of the spray; mist and wind that is generated by the powerful falling water.  We did get wet – very wet.  But it was fun to see the water falls from a different perspective.

We also took time to have lunch at a nice restaurant overlooking the falls.  We enjoyed a delicious lunch that also provided a different perspective on the size and power of Niagara Falls.  The volume of water and the height and shape of the Falls are hard to describe.

Later that day, we went back to see the Niagara Falls again after dark. They illuminate the towering waterfalls with powerful lights at night.  The colors change every few minutes.  The lights actually penetrate the mist and provide a clearer perspective of the expanse of the falls. Niagara Falls are in the shape of a horseshoe – almost 180 degrees from the American side to the Canadian side.

We were glad that we ventured out after dark to visit the park and the walking area along the American side of the Falls. The evening was cool but not uncomfortable and it was nice to see the Falls at night.

We planned to leave early the next morning.  But, when we woke up, we were surprised to see that the gray sky was gone and the sun was shining brightly!  We agreed that we should drive back to the Canadian side and get a better look at the magnificent waterfalls.  We were not disappointed.  The view was much better.  The mist and spray was more limited and we could clearly see the full expanse of these mighty waterfalls.

Did I mention that our return visit also allowed my wife to return and exchange a souvenir T-shirt that she had purchased the previous day?  We were glad we went back and saw the water falls again.

I suppose visiting something like the Niagara Falls is like visiting an art museum.  The more you look, the more you notice.  Just like an artistic master piece, these powerful waterfalls are difficult to describe and fully appreciate. Viewing them from different perspectives allows you to appreciate their beauty and majesty more and more.

Sometimes we need to look at things from a different perspective.  One look is not enough.  Sometimes we need to take a second or third look to get a clearer understanding of a person or a problem.  Let me encourage you to take another look.  We were glad we did and you will too!

Pastor Mark Hopper

Efree Church of Diamond Bar

3255 South Diamond Bar Blvd

909-594-7604

Sunday Services: 9:00 & 10:45 AM

Efreedb.org

 

Payoff Home Loan Early!

Nef Cortez

By Nef Cortez

You can save tens of thousands of dollars, possibly even hundreds of thousands, in the repayment of your home loan by using a very simple money management trick.  The typical home loan that is taken out in the purchase of a home is written or amortized over a 30 years period.  The most common reason for this is that is the way to maximize the ability to qualify for more of a home. With prices of homes so high here in Diamond Bar, and throughout Southern California, some homebuyers even opt to get a 40 year amortized loan.

A home purchased with a down payment sufficient to finance a loan of $500,000 amortized over 30 years will have a monthly mortgage payment of $2,387.08 (using a 4 % rate and excluding taxes and insurance). The same home with the $500,000 loan amortized over a 15 year period will have payments of $3,574.41. Even with a ½% lower interest rate for the shorter term, the monthly payment is $1,187.33 more than the 30 year mortgage.  Using the qualifying “Rule of Thumb” of 3 times the mortgage to determine the monthly income necessary to qualify, the Homebuyer would need an additional $3,561.99 monthly income to qualify for the home loan.

The homebuyer, instead of needing to have a total monthly income of $7,160, or $85,932 annual income, would have to have a monthly income of $10,721, or $128,652 annual income. This substantial difference in income required to qualify is the main factor why homebuyers choose the 30 year mortgage over the 15 year mortgage.

The decision to purchase the home with the lower monthly payment over a 30 year mortgage will cost the homebuyer a total of $859,320 over the fully amortized period. If the homebuyer was able to qualify for, and support the higher initial monthly payment of the 15 year mortgage, the total cost over the fully amortized period would be $643,393.8.

The simple disciplined payment of an additional $100.00 to the 30 year amortized loan will result in the loan paying off in approximately 24.5 years, saving approximately $78,000 in interest payments. This is the effect of a disciplined, consistent, managed plan that, although small in scope, has great benefits in the long term.

This article was written by Nef Cortez, a licensed Real Estate Broker, Cal BRE # 00560181 since 1976. He can be reached via e-mail at nefcortez@gmail.com. Please feel free to email any questions regarding real estate.

 

Fall Colors

By Mark Hopper

Last year my wife and I traveled to New England to see the Fall colors.  We flew to Boston and then drove through the mountains of Vermont and New Hampshire.  We were amazed to see the beauty of the fall colors. This year, we traveled to upstate New York on a similar journey.  We flew to Buffalo, New York, to see Niagara Falls and then drove across the state to visit relatives in the Albany area.  In addition, we spent two days in the Adirondack Mountains in northwestern New York State hoping to see the fall colors again. We were not disappointed.  The hillsides in upstate New York were covered with trees in bright, vibrant colors.  We intentionally drove on the smaller country roads so we could see them up close and admire the beautiful scenery.  The further north we drove, the brighter the colors became. Guide books and web sites try to predict when the fall colors will be at their peak.  On both trips, we found that the week before and the week after Columbus Day are the best.  Both the temperatures and the moisture influence the changing of the leaves.  We were fortunate that both the rain and the temperatures cooperated to paint this beautiful landscape. We don’t experience the four seasons in Southern California.  The local mountains do get some snow and the high Sierras can get a lot of it.  But we are fortunate to have a moderate climate that makes us the envy of the nation. Our weather for the New Year’s Day Rose Parade is usually clear, sunny and in the 70’s, while most of the country is buried in snow!  I suppose that is why most of us live here.  The climate is hard to beat. However, there is something to be said in favor of Fall and Winter.  When you see the color of the fall leaves blanketing the hillsides of New England and New York, you do realize why people actually enjoy “four seasons”.  The beauty is difficult to describe and impossible to capture on your smartphone or camera.  It really is amazing! There is a verse in the Bible that says, “God has created everything for us to enjoy” (I Timothy 4:3-4).  The passage is actually referring to the food that God provides for us.  But, I think the principle can apply to the beauty of the world we live in too. God did not create a dull, drab grey world.  In His infinite wisdom, He crafted a world with an endless variety of creatures and colors for us to admire and enjoy.  Let me encourage you to find some fall colors near you before they are gone.  You don’t need to travel to New England or New York.  The leaves are changing in our local mountains and all across our country.  Make time to go and see some for yourself.  You will be glad you did!

This article was written by Pastor Mark Hopper, efree Church of Diamond Bar, 3255 South Diamond Bar Blvd, 909-594-7604, Sunday Services: 9:00 & 10:45 AM, Efreedb.org

 

Safety and Homeownership

Nef Cortez

By Nef Cortez

One of the most important considerations when one is looking to buy a home is the safety of the community in which the home is located.  Diamond Bar has consistently ranked as one of the safest cities in the US, and without a question, in California.

I attended Supervisor Janice Hahn’s first Annual Public Safety Appreciation Barbecue Lunch today. It was co-sponsored with the Regional Chamber of Commerce of which I am a Board Member.  I was proud to help represent the Tri-Counties Association of Realtors in honoring our First Responders at this event.  I joined fellow Realtors Laura Greene, William Jia, Lily Valdivia-Rodriguez, Dennis Ni, and Raul at their table.

This event honors the men and women who provide us with the sense of safety that we all desire in the excellent quality of life that we are able to enjoy in this beautiful city of ours. Chief Parra represented Los Angeles County Sherriff Jim McDonald, who was not able to attend. He thanked Supervisor Hahn for her support of the work that the men and women of the Department do each and every day.

Los Angeles County Fire Department Chief Daryl L. Osby thanked Supervisor Hahn for her support, and mentioned that the Los Angeles County Sheriffs Department was the first in the world to incorporate the Paramedics within their scope of service. He mentioned that he was proud to have started his service under the leadership of  her father, Supervisor

Buyers looking to buy will always look to the safety of themselves and their loved ones, and they are sure to find it here in the Diamond Bar community.

This article was written by Nef Cortez, a licensed Real Estate Broker, Cal BRE # 00560181 since 1976. He can be reached via e-mail at nefcortez@gmail.com, or on his website at www.nefcortez.com.  Please feel free to email any questions regarding real estate.

 

Fighting Depression with Gratitude

Licensed Marriage Family Therapist

Nancy Stoops M.A., M.F.T Licensed Marriage and Family Therapist

By Nancy Stoops

I work with many people suffering from depression.  It seems like their minds are filled with what is wrong with their lives and lots of self –pity.  Having lost most of my family I understand what feels like paralyzing sadness.  I’m referring to the kind of emotion that makes you feel like life is over and will never ever feel good again.  I’m here to tell you gratitude for all that we have and for all that we are really helps change our mindsets. Midnight and I were out the door this morning at 6:00 a.m. for our hour walk.  I must tell you my senses were delighted with the clean air, wonderful smelling scents from trees and flowers and the sweet lullabies from all of the birds.  As we walked I felt such gratitude running through my mind, body and spirit.  I thought about all the blessings I have.  I’m grateful for my health and for Midnight being ten years and still able to climb large hills and how lucky we are to have each other as best friends.  We certainly take a lot for granted.  We have our health, food, shelter, warm and cold running water, beds, cars, and many other necessities but we also have lots of toys and things that make life fun.  I see so many people taking all of that for granted.Take out a piece of paper and fold it in half.  On one side write down all that you are blessed with and on the other write down what you still desire.  Now don’t get me wrong there is nothing wrong with wanting more or a better life, just don’t forget to appreciate what you already have or who you already are.  Keep this piece of paper and add to it daily when you find something else you are grateful for or desire.  Eventually you will replace the negative mindset with a positive mindset and a mindset filled with gratitude and joy.

This article was written by Nancy Stoops M.A., M.F.T.  Nancy is a licensed Marriage and Family Therapist.  Nancy is now accepting new clients.  She also works as a motivational speaker.  Nancy runs free family support groups, a group on loss for seniors, and groups for teens and can handle many court mandated needs.  For more information about any of these services contact Nancy at (909) 229-0727.  You may e-mail Nancy at nancyjstoops@verizon.net. You may purchase Nancy’s books Live Heal and Grow and Midnight the Therapy Dog at Amazon.com.

Straight Talk With Danice

Danice Akiyoshi

Danice Akiyoshi

Dear Danice Akiyoshi,

My boyfriend and I moved in together 9 months ago. He is supposed to keep our cars clean and the outside of our house looking nice at all times.  He is also supposed to supply our dinner every other week.  My job is to keep the inside of the house clean and do the laundry and make dinner every other week.  We eat out on the weekend.  We share the rent and utility bills equally.  It was good for the first 3 months, but now he is turning lazy.  The outside of our house and our porch and back yard look bad and I’m getting tired of living on pizza and take out tacos every other week.   I cook for us and make nice dinners and our house is always presentable on the inside.  When I bring it up he says he doesn’t need a mother.  How can I get through to him?

 

Barb

 

Dear Barb,

No one is interested in being a nag or a mother to their significant other, so stop nagging and start meaning business.  If your boyfriend is no longer feeling it is important for him to keep up his end of the agreement then let him know that you are giving him notice that you plan to move out.  If in fact you have a lease, call the landlord and give him the required notice.  A boyfriend who doesn’t keep his agreements is not going to magically turn into a husband who keeps his agreements.  If he is interested in restoring harmony with you then he will make serious attempts to clean up his behavior so that the two of you can return to or reestablish a new agreement.  If he does nothing, then perhaps your relationship has reached its shelf life and your boyfriend was just too cowardly to tell you and is attempting to just wear you down and get you to be the one to breaks things off.  If this is the case, then the guy’s a coward and you truly should move on.  If he’s just lazy by nature then you have plenty to think about, but don’t allow anyone to turn you in to an ineffective nagging girlfriend.  There is no joy there. Express your concerns and mean business.

 Danice Akiyoshi is a Naturopathic Doctor and the head of Candid Coaching Service. She offers personal coaching services relating to all types of issues and concerns. This is a letter she received from an anonymous reader. To send a question to Danice, email her at straighttalk@candidcoachingservices.com. You can also visit her website at http://www.candidcoachingservices.com

Family Connections

By Mark Hopper

My wife and I recently traveled to upstate New York to see Niagara Falls.  In addition, we drove across the state to visit some family members near Albany.  My wife was born in Long Island, NY, but moved west with her parents when she was a young girl. When her family moved to Arizona in the late 1950’s, they left behind extended family members like grandparents, aunts, uncles and cousins who remained near the east coast.

Over the years, there were phone calls and letters, but very little direct contact between the relatives in the east and relatives in the west. Some of the extended family attended a family wedding in Arizona in the 1970’s and there were a couple of visits by the Arizona clan to the east.  But, the contact was limited while parents were busy raising families in different parts of the country.

The internet and Facebook have helped to reconnect my wife with some of her east coast relatives.  They have been able to share pictures and update one another on their families. Our visit to Albany reunited my wife with a cousin that she had not seen on over 40 years.  It was a happy reunion.  In addition, another cousin drove up from Long Island and completely surprised my wife. They had a lot of catching up to do. Conversations included the death of parents, the marriages of children and the births of grandchildren.

One of the cousins had a photo album filled with old pictures.  This album belonged to their grandfather and included some photos that my wife had never seen before.  It was filled with memories and images that helped deepen her understanding of her heritage and extended family.

Hopefully, the cousins won’t wait another 40 years to re-connect with each other.  In fact, there is already talk of another reunion on the west coast next year. Are there some friends or relatives that you have not seen in a long time?  The years pass quickly.  The internet can help, but it takes time and effort to stay connected with people.

Let me encourage you to call or email a friend or family member this week.  There may be an old neighbor that would love to hear from you.  Don’t miss the opportunity to reach out and re-connect with someone soon.  They will be glad you did and you will too.

Pastor Mark Hopper

Efree church of Diamond Bar

3255 South Diamond Bar Blvd

909-860-9556

Sunday Services: 9:00 & 10:45 AM

Efreedb.org

 

Down Payment from 401(k)

Nef Cortez

By Nef Cortez

Achieving the American Dream of owning your own home requires planning ahead, and a lot of discipline.  The American Dream for many is getting further and further away from their reach, as prices continue to increase.  The Dream Home, having “nice curb appeal” (appearance of the front of the home as viewed from the street), and a nice back yard for the kids to play in or for the Buyer to entertain their guests, is getting more and more expensive.

As prices increase, so does the amount of money necessary for the down payment. The traditional 20 % down payment for many is just totally not achievable.
The median sales price of a home (where 1/2 of the homes sell for more and 1/2 of them sell for less) in Diamond Bar is approximately $725,000.  The “pre-requisite” 20% down payment would amount to a whopping $145,000.00.  Most first time home buyers do not have this kind of cash.
Typically, if the buyers do have money saved anywhere, it is in a 401(K) retirement plan.

Many potential homebuyers are unaware that they can use the money they have invested into their 401K retirement plan as the down payment for their first home.  Most first time homebuyers are under the age of 59 ½ , which is the point at which one can begin to withdraw 401K retirement funds without penalty, typically 10% of the amount withdrawn.

One option for the withdrawal of funds without penalty is to borrow against your retirement plan and pay back the fund over time. The payments that you will be making over time will be back to yourself (via the plan). This allows you to eliminate the 10% penalty for early withdrawal, and more quickly get you into the track of homeownership.

I advise that you first down down and with your tax professional and have them guide you through the process before you initiate any withdrawal from your 401(k).

This article was written by Nef Cortez, a licensed Real Estate Broker, Cal BRE # 00560181 since 1976. He can be reached via e-mail at nefcortez@gmail.com. Please feel free to email any questions regarding real estate.

 

Finding Some Wonderful In Our World

By Nancy Stoops 

We sit in our homes and we turn on the news and all we hear about are all of the horrific events happening in our world.  Having had a brother murdered my heart goes out to the loved ones of the victim’s friends and families of the recent incident in Las Vegas.  Many people tell me they believe we are doomed.  I find myself unable to accept this and searching for the wonderful that I know still exists.  This past week, I was able to find some wonderful and want to share my experiences with you. To me, the most important detector of how our world is doing, is by the way I see others treat each other.  I live in a very special community.  I have the honor of helping parents become better parents, and of teaching family members the value of respect for each other.  This last week I facilitated groups that really touched my heart.  I worked with so many families that really love each other, but for one reason or another have learned to communicate in a angry and blaming manner.  As we started to work and get past the defenses, I began to see families loving and very capable of respecting each other.  It made me feel very hopeful for our future. Unfortunately our news is flooded with stories about the horrible ways we treat each other.  Practice being polite, respectful, loving, kind, and some of those other traits, the media seems to feel we no longer have. Now it’s your turn to find the wonderful.  I believe it starts within yourself, your family, our communities, and who knows, then our world.  You must trust me when I tell you it’s out there, for I am lucky enough to see it everyday. So as we begin to embrace the upcoming holiday season and everyday of our lives be on a quest for the magical and wonderful pieces that make our lives worth living!!!!!!!!!!

This article was written by Nancy Stoops M.A., M.F.T.  Nancy is a licensed Marriage and Family Therapist.  She has a private practice in Diamond Bar and is currently accepting new clients; she is also a motivational speaker who can inspire your employees or group members.  Nancy runs free family support groups, a group on loss for seniors, and groups on how to manage anger.    For more information about any of these services feel free to contact her at (909)2290727.  You may e-mail Nancy atnancyjstoops@verizon.net. 

 

Don’t Laugh

By Mark Hopper

 

Recently we had a clean up day to get ready for our church’s 50th birthday party.  There was one specific area on our property that really needed some sprucing up. The ground cover was thinning out and we agreed to order some new mulch and bark to make it look better.The area that we targeted was on the southwest edge of our property.  We refer to it as the “point” on the right side of the driveway that exits our site.  It is an odd shape – not quite a triangle but certainly not a clean square or rectangle.  One of the men agreed to order the mulch if I could just give him the dimensions of the area to be covered. The site was too large for a tape measure, so I simply walked over the space estimating that my step or stride would be about 3 feet long.  That is what golfers do on the fairway to estimate their distance to the green.  Find a fixed distance on the fairway and then “walk it off” to your golf ball.  By adding or subtracting your steps, you would get a pretty accurate distance to the green, sounded pretty simple to me.  So I “walked off” the length and width of the area to be covered with mulch and came up with a number that I shared with the man ordering the material.  He gave my estimate to the supplier and they ordered the bark / mulch. I was a little surprised when I heard how many bags of mulch the supplier was sending, Using the information I gave him, he estimated that we would need about 400 bags of mulch.  Four hundred bags!!  That was certainly more bags than I thought we would need, but remember, I was only the “estimator”.  The mulch man was the expert.  Who was I to question his knowledge and experience?When I told our crew of volunteers how many bags that we had ordered, they laughed!  Four hundred bags of mulch for that small area.  They all thought I was crazy.  But, it was too late to back down now.  The delivery truck was on the way with 400 bags of mulch and bark. When the delivery truck arrived at our church, it was loaded with pallets of material.  Most of it was for us!  It was a full-size 18 wheeler flat bed truck.  I can’t even describe how big it looked piled high with pallets of mulch!  The truck was so big, it had difficulty pulling into our parking lot! Did I mention that the truck driver had to use a fork lift to off load the pallets onto our parking lot?  I think there were 4-5 pallets.  Each of them taller than any man on our crew.  Four hundred bags of mulch on 4 or 5 pallets taller than us.  That was an impressive sight! Fortunately, the crew of volunteers took it all in stride.  They continued to poke fun at me for my extravagant estimate but they graciously unloaded the bags of mulch and spread them over the target area.  We all agreed that the new mulch and bark looked great. As we neared the end of the project, I did point out to the team that we were not short on materials!  We had plenty of mulch!  In fact, we had enough mulch to also fill all of the flower beds at our church with a plenty to spare!  I’m sure that the event committee was pleased to see 400 bags of new mulch enhancing the appearance of our property just in time for our 50th birthday party. I think we all can learn a lesson from this experience.  When in doubt, order more than less.  Trust the experts.  Trust your instincts.  Don’t worry if you order too much mulch.  My new slogan is, “You can never have too much mulch”! Let me again invite you to our church’s 50th birthday party on Saturday, October 21st.  Free food and activities begin at 1:00 PM with the main event from 4:30 – 6:00 PM.  I hope you will come and enjoy this special day with us.  And, come see the new mulch, too!

 

Pastor Mark Hopper

Efree Church of Diamond Bar

3255 South Diamond Bar Blvd

909-594-7604

Sunday Services: 9:00 & 10:45 AM

Efreedb.org

 

There Is No Win In Quit

By Sean Ortiz

Have you ever started something and quit?  Maybe it was difficult or you believed you could not do it.  Why do we need to learn to not Quit… In our marriages, with our children, in our relationship with Christ.Because there is no Win in Quit.  We won’t grow.  We won’t see the victory.  We will miss seeing God do a miracle.  We will miss out on a blessing.  So here are 2 things that need to happen if we don’t quit. Character is built. Mathew 5:33-77 Jesus describes that our yes be yes and our no be no.  If we say we are going to do something, then do it and don’t wiggle out of it.  Jesus knew that the culture of the day was to say yes, I will do that on my children or on my mother.  It was like crossing your fingers behind you back.  In other word if you commit then finish the commitment. So, let you Yes be Yes.  In the difficult times, it builds character as you complete your commitment. Consistency is shown. Our Past is a Predictor of our Present Jeremiah 12:5 talks about if you can’t fight the men on foot how can you handle the fight when the men come on horses.  In other words, if you can handle the first circumstance you can handle the next challenge.  So not quitting builds and shows consistency. If we decide not to Quit we build Character and Consistency and then we will see the Win.  So do not give up in the hard times and LET GO AND LET GOD…….be encouraged.

Pastor Sean Ortiz

New Beginnings Community Church Jurupa Valley

9010 Limonite Ave Jurupa Valley, CA 92509

Sources of a Down Payment

Nef Cortez

By Nef Cortez

How much money does a person have to have in order to buy one’s home? The answer to this question, of course, varies in many ways. One variable is in what city one decides to make their home. That decision, of course, will affect the price of homes that a person has to choose from. The price of a home, then, will impact greatly the amount of cash one must come up with as the Down Payment.

Another major variable will be whether a person is buying as a First Time Homeowner, a Move-Up Buyer, or a Down-Sizing Buyer. By the very definition of a “First Time Homeowner”, this buyer usually has a low level of savings. They are just getting started with their home ownership experience, and are usually in their mid to late twenties and into their mid-thirties. As I wrote before, this group of buyers is usually busy getting started with both their careers and their family. The lower income earned by those just beginning their careers coupled with the expenses of getting started in the raising of a family does not allow for the typical First Time Homebuyer to come up with a very large down payment.

One of the more commonly used loan programs for the first time homebuyer is the Federal Housing Administration 203B program.  It is a loan in which a first time homeowner can purchase a home with as little as 3 ½ % down payment. In addition to this type of loan, there are a few “grant” or “subsidy” programs which will also assist this buyer with an additional 2 % for the down payment. This facilitates the purchase of the First Time Homebuyer to finance the purchase with as little as 1 % Down Payment.

The FHA loan limit for a Single Family Residence in Los Angeles County is $636.150.00.  This means that a First Time Homebuyer can purchase a home with a little as $16,500.00.  With other grants or subsidies, this figure can end up as low as $6,500.00, making the purchase of a home very doable, as far as the Down Payment is concerned.

This article was written by Nef Cortez, a licensed Real Estate Broker, Cal BRE # 00560181 since 1976. He can be reached via e-mail at nefcortez@gmail.com. Please feel free to email any questions regarding real estate.

A People, Not a Steeple

By Mark Hopper

 

I have shared in my last few articles that our church’s 50th birthday party is coming up on Saturday, October 21st.  I was asked to look through some old photos and put together a short visual history of our church.

I enjoyed my assignment and spent several hours looking through many photos that went back to early days of Diamond Bar.

There were pictures of the original Diamond Bar Ranch property.  In the 1970’s our church held Sunday Services in one of the buildings there.

I also found pictures of the construction of each of the church building on the site from the 1980’s and 1990’s.  There were also photos of the parking lot expansion and the new children’s play yard.  There was a lot of building activity during those years.

As I looked through hundreds of photographs, I was reminded that many faithful people have been part of our church over the past 50 years.  There were some pictures of people that I did not recognize.  And, there were dozens and dozens of photos of people that I did know personally.

These pictures brought back many special memories.  Pictures of church dinner-dances and baby dedications.  Pictures of summer Vacation Bible School programs and baptisms at the beach in Corona Del Mar.  Pictures of Couple’s Retreats and Christmas programs and Easter services.

One of the things I noticed was how young we all looked 20, 30, 40 years ago.  It was also fun to see the different hair styles and the different clothes that people wore.  The cars in the parking lot looked different, too.

I was reminded that a church is a group of people not a building or a steeple.  Certainly, I am thankful for our facilities.  But, the real core of our church is the people.  Faithful people who have attended regularly, served faithfully and given generously.  People of all ages and stages of life – children, students, single adults, married couples, widows and widowers.  The people who share a common goal to know Jesus and make Him known.

I suppose that we all need to be reminded from time to time, that it is the people in our lives that are really important.  It is not the size of our homes or the success of our careers or the level of our education.  We should value the people in our lives not the volume of our possessions.

Let me encourage you to express your love and appreciation to the people in your life.  Maybe it is time to write a note to an old friend and tell them how much they have meant in your life.  You will be glad you did and they will too!

Let me again extend an invitation to you to come and celebrate our church’s birthday on Saturday, October 21st.  There will be free food and activities starting at 1:00 PM with the main event from 4:30 – 6:00 PM.  Check out our web site for more details. I hope we will see you there!

 

Pastor Mark Hopper

Efree Church of Diamond Bar

3255 South Diamond Bar Blvd

909-594-7604

Sunday services: 9:00 & 10:45 AM

efreedb.org

Helping Homeless Veterans

Nef Cortez

By Nef Cortez

Homeless veterans make up close to 10% of the Homeless population.  Although it is a very large number, it has decreased substantially from what it was 7 years before by approximately 40%.  The National Coalition for Homeless Veterans (NCHV)lists  a very good outline of the types of services individuals or groups can provide which have been recognized as being most effective. These programs have seen better than average results with very  positive outcomes.

NCHV recognizes the following as being some of the more effective services, and which are usually provided by community-based organizations.  These are as follows: Support of emergency shelters; Volunteering as mentors, counselors, or legal aides; Raising funds for programs; Volunteering at “Stand Down” programs; Development of Homeless Veteran Burial Programs. You can find a more detailed review of all of these programs on NCHV.org, the website for the National Coalition for Homeless Veterans.

The prevention of Veteran Homelessness  needs to be centered on providing health services, as the majority of homeless veterans “suffer from mental illness, alcohol and/substance abuse, or co-occurring disorders”, according to the U.S. Department of Veterans Affairs (VA). Research shows that veterans are 50% more likely to become homeless than the general population. Female veterans are two to three times more likely to become homeless than any other group of the general U.S. population.

Local efforts to house the homeless are ongoing and growing.  Along with efforts by the local non-profits, the  1/4 cent sales tax approved by the voters of Los Angeles County is anticipated to fund a much more effective and concerted effort.  Funding, both private and public, is necessary to pay for the work that must be done across all facets of services for there to be positive outcomes and to win the fight against Veteran homelessness.

This article was written by Nef Cortez, a licensed Real Estate Broker, Ca BRE # 00560181 since 1976. He can be reached via e-mail at nefcortez@gmail.com or on his website at www.nefcortez.com. Please feel free to email any questions regarding real estate.

Visit My Booth at the Walnut Family Festival

Licensed Marriage Family Therapist

Nancy Stoops M.A., M.F.T Licensed Marriage and Family Therapist

By Nancy Stoops

Can you believe fall is here and we are getting ready for Halloween?  One of my favorite things about this time of year is the Walnut Family Festival.  This year I will not only have a booth but Midnight the therapy dog and myself will be in the parade.  The date of the parade and festival is Saturday October 7th.  The festival is located at Suzanne Park and there are all kinds of wonderful things to do, buy, eat and it’s a great opportunity to just see some old friends. The parade starts at 9:30 am until eleven and the festival continues on until 5 pm.

I always run into people that I haven’t see for years.  I will have flyers regarding my free support groups and copies of my self-help book entitled Live Heal and Grow (A common sense guide to life) and my latest book, Midnight the Therapy Dog for sale.  I will be happy to sign each book purchased.  It’s a great opportunity to come on by and just chat about what’s going on in your life and get some support.  If you prefer the support of a furry friend Midnight the certified therapy dog will be at the booth part of the day as well.

The festival is lots of fun and has tons of free information for you and your family.  Over the years many of you have e-mailed me or called and left me messages about my column, I hope you’ll stop by my booth and introduce yourselves.  I’m always amazed about how many nice people I meet at this event.  It makes me feel proud to be part of such a wonderful community.  I love seeing all the families and all the dogs that come out to this event.  I hope you’ll come out and join the celebration!!!!!

This article was written by Nancy Stoops M.A., M.F.T.  Nancy is a licensed Marriage and Family Therapist.  Nancy is now accepting new clients.  She also works as a motivational speaker.  Nancy runs free family support groups, a group on loss for seniors, and groups for teens and can handle many court mandated needs.  For more information about any of these services feel free to contact her at (909)229-0727.  You may e-mail Nancy at nancyjstoops@verizon.net. You may purchase Nancy’s books Live Heal and Grow and Midnight the Therapy Dog at Amazon.com.

A Special Birthday- Part 2

By Mark Hopper

 

The idea of starting a new church in Diamond Bar was the dream of a man named Wally Norling. He was the District Superintendent of the Evangelical Free Church in Southern California.  He loved to plant new churches in new communities that were popping up all over Southern California 50 years ago. Wally personally approached a few families and individuals and challenged them to start a church in Diamond Bar.  Two families already lived in Diamond Bar, another family lived in Rowland Hiehgts and another in La Habra Heights.  They did not have the backing or support of any other church.  They were on their own. This small group of people accepted the challenge and set out to start a new Evangelical Free Church in Diamond Bar.   In my previous article I shared about how this small group grew during the following decade under the leadership of several pastors including Pastor Scott Owsley and Pastor Steve Campbell. They met in a number of different locations until they were given the property on Diamond Bar Blvd by a generous contractor in 1980.  The first building was completed in 1983.

 

Pastor Steve Campbell continued to lead the church until 1987.  Steve and his wife Peggy faithfully served at the church for over 10 years.  In 1988, the church invited my wife and I to come from Arizona to serve as the next Pastor of Diamond Bar Efree Church.  It was a new adventure to leave our roots in Arizona and move with our four kids to Diamond Bar, California. As the church continued to grow, we lacked adequate classroom space for the children of young families.  One solution was to rent the Peppertree Preschool around the corner on Brea Canyon Road to help meet this pressing need.  We also launched a new building campaign to construct an education building on our property.  Instead of borrowing money, we decided to build “pay-as-you-go”.  We were amazed at the generosity of people in our church and the many unexpected gifts that enabled us to complete this project debt free in 1991.

Not only did the new two-story education building provide additional classroom space, it also enabled us to open a Preschool.  Mrs. Jean Thornton agreed to serve as the first preschool director and opened the school in 1991 with about 15 students.  The preschool eventually grew to three classes and over 50 children meeting five days a week from 8:30 AM – noon.

 

During the 1990’s, our church began to send out short-term mission teams to serve alongside missionaries around the world.  Our first two-week team went to Guatemala to help construct a school building in 1992. In the following years, we also sent teams across the border to help build homes in Mexico.  Other teams went to Russia, Romania, Kenya, Korea and other countries to serve in various kinds of ministries. As our church continued to grow in the 90’s, we realized we needed more classroom space.  The Hughes Aircraft Comapny was closing a plant in Fullerton and offered some of their portable modular units to non-profit groups for one dollar each.  However, we did have to pay to have these units moved and for the clean up of the old site and for set up on our property.   We remodeled these large modular buildings into four large classrooms on our property.

 

Near the end of the 90’s we knew we needed a larger worship center and more classrooms.  In 1998, we broke ground on the largest building on our site – the Familiy Worship Center.  During the next eighteen months, the campus looked like a war zone.  The building site was surrounded by fences and piles of dirt and mud.  Equipment and building material covered our property. We had record rain fall in 1999 which slowed the work and delayed completion.  But, on Easter Sunday, 2000, the new worship center was finished and ready for use.  It was a day to remember!  Did I mention that underneath the worship center there is a lower level with eight large classrooms and additional restrooms.  (This allowed us to donate the modular units to a church in Rowland Heights). The Worship Center also has a large elevator that provides access to all the levels of the Worship Center and the Education building.

There are more stories to tell about the life of our church.  I hope to share more of our history in my next article.  Let me again invite you to come to our 50th birthday party on Saturday, October 21st.  There will free food and a variety of activities on our campus starting at 1:00 PM and the main event will be from 4:30 – 6:00 PM in the Worship Center.  We hope you will come!

Pastor Mark Hopper

Efree Church of Diamond Bar

3255 South Diamond Bar Blvd

909-594-7604

Sunday Services: 9:00 & 10:45 AM

Efreedb.org

An Invitation for All Natural Healers

Licensed Marriage Family Therapist

Nancy Stoops M.A., M.F.T Licensed Marriage and Family Therapist

By Nancy Stoops

Last year I facilitated and ran a very successful wellness event for the city of Walnut.  We had a hundred people attend this event.  Due to the success of this event I have been asked to do four wellness events for 2018.  I’m so honored and very excited and looking for healers of all sorts to part participate at these events.  If you do any type of natural healing and are interested in both speaking for thirty minutes and doing some sort of demonstration and getting paid or just having a free booth please contact me at (909)229-07267.  I’m looking for healers that specialize in reiki, massage, acupuncture, yoga, tai chi, doTerra oils and herbs and their medicinal uses, chiropractors, energy workers, chakra balance, reflexology or any other type of natural healing.  All of the wellness events will take place on Saturdays and are in 2018.  The dates are January 20, April14, July14, and finally September 23.

This is a great opportunity to get your new business started or to continue to make your already established business even more successful.  It’s also a great opportunity to share your expertize with an entire city and to have the honor of helping people feel better and have an increased quality of life by teaching wellness.  I’m looking for positive, peaceful and confident human beings to help at these glorious and much needed events.  My plan is to just keep doing these life changing events for many years to come.  So be proud of what you do and give me a call as I put our team together for these events.  I’m very excited about what is possible to have happen in our wonderful community.  We all deserve to have our minds, bodies and our spirits operating at their optimum and I think these events can offer many tools on how to make that happen for the people that live in our wonderful community.

This article was written by Nancy Stoops M.A., M.F.T.  Nancy is a licensed Marriage and Family Therapist.  She has a private practice in Diamond Bar and is currently accepting new clients; she is also a motivational speaker who can inspire your employees or group members.  Nancy runs free family support groups, a group on loss for seniors, and groups on how to manage anger.    For more information about any of these services feel free to contact her at (909) 229-0727.  You may e-mail Nancy at nancystoops@verizon.net. You may purchase Nancy’s books Live Heal and Grow and Midnight the Therapy Dog at Amazon.com

Balanced Parenting

Licensed Marriage Family Therapist

Nancy Stoops M.A., M.F.T Licensed Marriage and Family Therapist

By Nancy Stoops

 

Our children are one of the few things in our lives that don’t come with a manual and definitely can’t be returned.  Parenting is the most important job you will have in this world.  I work with many parents trying to teach them how to be balanced and more effective.  Balance is hard because parents don’t want to be too laid back yet don’t want to police their children either.

In college in my child development classes, I learned that children actually crave fair and consistent rules and boundaries within a loving and nurturing environment.  This sure sounds simple enough but takes an incredible amount of hard work.  An environment too strict or not strict enough can produce a child, teen, or young adult with many issues.  There must be room for compromise when you are parenting fair and effectively.  Consequences for behaviors that are not permissible or rude or defiant must be put in place every time those behaviors are shown. On the other hand rewards should be used consistently for behaviors that are positive.  Consistent consequences will help to extinguish negative behaviors, while consistent rewards will help to increase positive behaviors.  Also remember to team parent and to not negate each others parenting, as this tends to cause the young person to learn manipulation as a means to get what they want.

Many people trying to be good parents and working to build strong families need to work on how to listen.  We need to teach and model this skill to everybody in our family.  Don’t get caught up in the same conversation over and over and expect different results.  Take the time to teach everybody in your family effective communication skills.  Also insist that mutual respect must be shown to everybody in the family.  Once you allow your children or anybody to disrespect you are telling them that this is an okay way to behave. Remember you only get one chance to be great parents!!!!!

This article was written by Nancy Stoops M.A., M.F.T.  Nancy is a licensed Marriage and Family Therapist.  Nancy runs free family support groups, a group on loss for seniors, and groups for teens.  For more information about any of these services feel free to contact her at (909)229-0727.  You may e-mail Nancy at nancystoops@verizon.net. You may purchase Nancy’s books Live Heal and Grow and Midnight the Therapy Dog at Amazon.com.

 

The Solar Eclipse: Part 2

By Mark Hopper

 

I shared in my previous article that my wife and I went to see the total Solar Eclipse in St. Joseph, Missouri, on August 21, 2017.  This was the first total solar eclipse to cross the entire USA in about 80 years.  It was exciting to be part of it.

 

As we sat down in our borrowed lawn chairs, clouds continued to linger overhead.  We knew that the one thing you don’t want on the day of a Solar Eclipse is a cloud filled sky.  We learned later that 90% of the path of the total eclipse across the United States was cloud free.  But, 10% of the path had significant cloud cover.  St. Joe, Missouri was part of the 10%!

The actual eclipse in our area of the country began around noon.  We could see the moon begin to cover part of the sun.  It looked like someone had taken a bite out of the top edge of the sun.  We were able to view this through the high clouds with our special sun glasses.  You could sense the excitement build among the 20,000 people at our location as the eclipse slowly increased.

However, we noticed a band of dark rain clouds heading our way.  The clouds quickly blocked our view of the progress of the eclipse.  The light drizzle turned into heavy rain.  People jumped into their cars hoping for the rain to pass through quickly.  The eclipse was progressing but our view was blocked by the dark clouds.

We had come half way across the country to witness this historic event, but at the very moment of the eclipse, we were in a rain storm!  Finally, when the rain storm passed our location, it was at the height of the eclipse.  We could see parts of the sun directly overhead through the remaining high clouds.  We could see the silvery edge of the sun’s light as the eclipse reached totality.

We really didn’t get to see the total eclipse clearly, but we did experience the black darkness as the shadow of the moon swept across the land.  It was an strange sensation as the day turned to night!  We could see day light on the horizon but we stood in black darkness.  I have read that you can see stars in the middle of the day when the eclipse reaches totality and the sun light is completely obscured.

We did not see any stars, but we did see and feel the darkness as it covered and surrounded us on the ground.  After about 2 minutes of darkness, the sun began to reappear.  A brilliant light graced the edge of the sun as the moon began to move away and more sun light was reappeared.  Even with the high clouds obscuring part of our view, it was a remarkable sight to see.

As quickly as it began, the eclipse quickly diminished.  Two minutes of totality.  Then it was over.  But it was well worth it.  I have heard people say that there is nothing comparable to witnessing a total solar eclipse.  I agree.  It was amazing to see and experience.  I’m glad that we flew across the country to see this unique event.  It was amazing even with our reduced visibility.

One of the things about an eclipse is that is predictable.  Astronomers have known for decades that this event would occur on this exact date, at the exact time in a precise path all the way across the country.  The rotation of the moon around the earth and the orbit of the earth around the sun are perfectly aligned to create a total solar eclipse.

Some would argue that all of this is the result of a Big Bang and billions of years of evolution.  Others would argue that this kind of precision could only be possible through the creative genius and power of our creator.  In the first book of the Bible, we have the account of creation.  It says in part, “Let there be lights in the sky to separate the day from the night…let them serve as signs to mark the seasons and days and years…and God saw that is was good”(Genesis 1:14).

In Psalm 19 it says, “The heavens declare the glory of God and the skies proclaim the work of His hands”.  Let me encourage you to dust off your Bible and read these passages for yourself.  You can draw your own conclusions.  And, let me also encourage you to plan see the next total eclipse in Austin, Texas in 2024!  You will be glad you did!

Pastor Mark Hopper

Efree Church of Diamond Bar

3255 South Diamond Bar Blvd

909-594-7604

Sunday Services: 9:00 & 10:45 AM

Efreedb.org

 

Straight Talk With Danice

Danice Akiyoshi

Danice Akiyoshi

Dear Danice Akiyoshi ND,

My wife is a terrible back seat driver.  She complains about my driving every time she’s in my car.  She says things like, “everyone is stopped ahead, and maybe you should take your foot off the gas.”  “You’re getting too close to that truck.”  “Why are you being so aggressive, let that guy get in front of you.”  “Please don’t take that phone call, traffic is busy; you need to pay attention to the road.”  And the list goes on and on.  I’m driving out in traffic all day.  I’ve had very few tickets or accidents in my life.  I am not a bad driver.  My wife only has a 15 minute commute.  I hate to criticize her, but she is not an expert driver and I’m tired of her comments.  How can I get her off my back?

Thank you.

Blake

 

Hi Blake,

It doesn’t seem as if your wife is actually insinuating that you are a bad driver.  It sounds a lot more to me like she struggles with anxiety.  Do you notice this in any other areas of her life?  I think when it comes to your driving she’s not doing a very good job of communicating and you’re taking it as a personal insult.  If she were a better communicator, she might say, “I’m feeling a little nervous, would you mind slowing down…please don’t drive next to big trucks or talk on the phone in busy traffic, it makes me terribly uneasy.”  If she were to own this as ‘her’ problem instead of making you feel inadequate, would you drive more cautiously or perhaps be a little more passive on the road to cater to her comfort zone?  Experience with my patients tells me that it might be doubtful, because you’re hearing this as a personal attack when she is basically trying to communicate her fear to you. I hear this complaint in my practice all the time.  My ‘simple’ advice is to let her drive or invite her to do whatever it is that will help her to relax before she gets into your car.  Or you could be more considerate of her road anxiety. The best answer by far would be for her to address the underlying reasons for her excessive anxiety.  I hope she makes that choice.

Good Luck to both of you.

Danice Akiyoshi ND

 Danice Akiyoshi is a Naturopathic Doctor and the head of Candid Coaching Service. She offers personal coaching services relating to all types of issues and concerns. This is a letter she received from an anonymous reader. To send a question to Danice, email her at straighttalk@candidcoachingservices.com. You can also visit her website at http://www.candidcoachingservices.com