From The Harbor Bay Clubbonds between unlikely friends Content 13 Local Non-Profit Profile 05 05...

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From The Harbor Bay Club

S u m m e r / Fa l l 2 0 1 0 Vo l u m e 3 , N u m b e r 4

Wanna Get Away?Take a Staycation at the

Harbor Bay Club

Supporting Local TalentJunior Tennis Xtreme

Best Buddies’ Special BondsThe Power of Friendship

2 Summer/Fall 2010 www.HarborBayClub.com (510) 521-5414

What’s The Buzz?ust like that, summer is here and in full swing. It’s a great time of year, full of energy and activities within our community. For many of us, summer reminds us why we live in Alameda, whose

unique location provides idyllic weather conditions that are rarely too cold or too hot—despite more extreme temperatures less than an hour away. And if the weather isn’t enough, who can resist the charm and patriotism that exudes from Alameda’s famous Fourth of July Parade, which took place over this past weekend? Bravo to all of those who made the event another smashing success. The energy at the Harbor Bay Club during the summer is fantastic. Competition on the tennis courts heats up; members and guests step up their

routines so they can feel and look their best. Group cycling and dance classes fill up fast and the kid’s summer camps are bustling. Special summer events keep the Clubhouse brimming with activity, and the BBQ and pool area becomes the place to socialize and have fun. As this issue’s cover suggests, for many members and guests looking to avoid the cost and hassle of vacation travel, the club is a great “staycation” option. And for moms already dreading the long summer days of schlepping the kids around, they’re finding that a workout, spa treatment or leisurely lounge by the pool—while the little ones are engaged in supervised fun—is just the ticket. There are many new and exciting changes at the club this summer. We’re expanding our WiFi coverage so you

can stay online courtside or at the pool, adding a new high-performance youth tennis program, launching a new website and, by popular demand, adding more Zumba classes. In addition, we’re proud to announce that the Harbor Bay Club is going green! By converting its communication with its members from paper to email, the club will be able to help the environment, keep members more informed and keep costs down—which, in turn, helps offset increased operating costs elsewhere and keeps member dues down. And if that’s not enough, we’re throwing in some great prizes and the chance to win a $250 gift card. We’re particularly excited to announce two very special benefit events. First, the club will be celebrating its 31st year in the community with a special Anniversary Party on July 29 from 4 p.m. to 7 p.m. The event will be free to members and their first two guests and will feature a DJ, dancing, games, great food and beverages from your favorite local restaurants, an outdoor Zumba class, and raffles to benefit Alameda Meals on Wheels, Alameda Friendly Visitors and Alameda Education Foundation. Then, on August 31 from 4 to 7 p.m., the club will be hosting its first ever End of Summer Open House Bash, an event that will be free and open to both members and non-members of

the club. Festivities will include great hors d’oeuvres and beverages from local vendors, free chair massages, tours of the club and raffles benefitting the Alameda Boys & Girls Club and Alameda Point Collaborative. Together, these two events give the club an opportunity to give thanks to its members, thanks to its community, and support to some of the precious local nonprofit organizations that help make Alameda such a special place to live. In this issue of The Buzz we introduce another special nonprofit organization, Best Buddies, that celebrates the value of friendship amongst all of us, while developing leadership skills for our youth. Continuing the blessings that come from lifelong friendships that trace their origins to community service, we also revisit the invaluable work that Alameda Friendly Visitors is doing in our community. Finally we take a sneak peak at Xtreme NorCal Tennis, the new and exciting high-performance program that the club is hosting starting this month—it’s a great new option for skilled junior tennis players looking to elevate their skills by competing with the best junior tennis players in Northern California. As a lways , we’d love to hear your feedback. Please email your comments and suggestions to [email protected].

J

WEST ALAMEDA BUSINESS ASSOCIATION & EAST BAY REGIONAL PARK DISTRICT PRESENT

CRAB COVE OUTDOOR CONCERT SERIES

free! 5:30pm-7:30pm

FOR MORE INFORMATION CALL: (510)523-5955VISIT US ONLINE AT: www.WestAlamedaBusiness.comwww.ebparks.org

Sponsored by:

BACK TO HEALTH CHIROPRACTIC BLADIUM SPORTS CLUBDRAKE’S BREWING COMPANYR & B CELLARSROCK WALL WINE COMPANY

Join us on the second Friday of July and August for music, food, and fun at the foot of McKay Street in Alameda. 9

FRIDAY, JULY

FITO REINOSO Y S U R I T M O Y A R M O N Í A CUBAN/TIMBA/SALSA

13FRIDAY, AUGUST

CASINO ROYALEH I T S F R O M T H E 60’S, 70’S AND 80’S

Concerts Cove

Food, wine, beer & soft drinks for sale in designated area. Outside alcohol not permitted in the park. Parking available at Crown Memorial Beach (off 8th and Otis Streets ) and metered lots at Santa Clara at Webster and Taylor at Webster.

Free, secure valet bicycle parking provided by BikeAlameda.

3Summer/Fall 2010www.HarborBayClub.com (510) 521-5414

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Club Pages

Columns

06

04

04

02

10

On the Cover

Xtreme Tennis

Fitness

What’s the Buzz?

Best Buddies

Features

Time to Book a Stay-cation? During the summer months, Harbor Bay Club members and guests experience the full range of the club’s unique 10-acre resort-style facilities and plentiful family activities. It’s an inexpensive and convenient alternative to the high cost and hassle of travel. Photo by Kirk Cowan

New group brings sense of community to top NorCal junior tennis players

Grizzly Cycling Training

Student organization at Alameda High creates special bonds between unlikely friends

Content

13 Local Non-Profit Profile

05

05

AquaticsSplish, Splash in 2010

Alameda Friendly Visitors

08

08

07

The Spa

Tennis

The Spa: Then and Now

14 Real Estate Update15 Mortgage Matters

Summer/Fall 2010 Volume 3, Number 4

Published by Harbor Bay Club

Managing Editor, Joel WilliamsCopy Editor, Patrick Runkle

Graphics & Production, Francisco Arreola

STAFF WRITERSMike Bauer, Erin Brown

Leslie McGraw, Paulette StaatsSandy Glendinning,

Heidi Dauberman and Katja Rivera

FEATURED WRITERSDebra CostnerPeter Holmes

Dennis PagonesMichelle Trippi

PEOPLE SPOTLIGHTSKirk Cowan

Harbor Bay Club

200 Packet Landing RoadAlameda, CA 94502

(510) 521-5414www.harborbayclub.com

16 HBC Team News

12 Kids Corner

PEOPLE SPOTLIGHTS

John Thiel

Howard Sidorsky

Rob & Mia Bonta

Kaelyn & Kendall Adams

17 Club CalendarAlameda’s Summer Season

19 Community Events

06

04

12


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MIND - BODY / FITNESS

Fitness Department

“The Grizzly Peak Century is too challenging for most riders,” experienced cyclists advised me when they heard I was offering the training series. But my job as a personal trainer is knowing what individuals are capable of and believing in their potential. And the individuals who came to train with me believed in themselves. Or maybe they didn’t know what they were getting themselves into! Leading the Grizzly Peak Century training series was a moving experience. From the first group ride, everyone worked beyond their comfort zones, and harder than they knew they could. The group dynamic was always supportive, never competitive. Each of the eight rides was hillier and longer than the previous, and as a group, we watched each other grow stronger as the weeks passed. We discussed cycling gear, nutrition, weight training and had plenty of practice fixing flat tires! In the end, every rider met or exceeded his or her personal goal—whether it was to learn cycling basics and reach a new level of fitness, or to ride the full century—they all did it! And many of us are going on to ride more centuries this season. After all, once you’ve met the Grizzly Peak challenge, you believe in yourself enough to try anything.

New Zumba and Cardio Blast Noon Classes AddedYou’ve asked and we’ve heard you. Due to popular demand, we’ve added noontime Cardio Blast and Zumba classes. Both of these will give you the RDA of cardiovascular activity along with a ton of fun!

Wednesday, 12:15 p.m. – 1:15 p.m.: Cardio Blast Friday, 12:15 p.m. – 1:15 p.m.: Zumba

Fitness Department: Attention Ages 14 – 17!Before working out in the Fitness Center, don’t forget to sign up for a Safe Lifter Orientation. You must complete this orientation prior to using the Fitness Center. Pick up a Safe Lifter orientation request from the Service Desk or call Leslie at ext 119 to set up an appointment with a Fitness Trainer.

Grizzly Peak WinnersHarbor Bay Club members and staff, under the guidance of Personal Trainer Heidi Dauberman, completed their training for the Grizzly Peak Century Ride on May 2. Our fitness feature this month (on right) tells their story.

John Thiel

H a v i n g w o r k e d i n res taurants s ince he was 14 years old, new club member John Thiel realized his lifelong dream when, in October 2005, he opened Pappo, a bistro that has become a popular destination in the revitalized Park Street and Alameda

Theater area. “I’ve worked the back of the kitchen, the front of the house as the general manager and as the

People Spotlight

wine buyer, always working towards the goal of owning my own restaurant,” explained Thiel. “It’s been my dream since I was a little kid.” Born in New York, Thiel first moved to the Bay Area with his family in 1984. After experiencing the hectic restaurant life in San Francisco for several years, Thiel moved to Alameda in 2002, following his parents, who had moved here a few years earlier. He immediately took to the community. “After living on a bus line, I was actually able to sleep through the night undisturbed, and feel safe,” Thiel said. Celebrating its fifth year this October, Pappo is now firmly entrenched in the community, and Thiel looks to find creative ways to give

back. Earlier this year, Pappo hosted a wine-tasting fundraiser to benefit Alameda Food Bank and then—rather than simply writing a check—Thiel used the proceeds to purchase canned goods from a local grocer. He then presented those goods to the food bank. This cycle of support or, as Thiel likes to describe it, a “win-win-win,” enabled Thiel to use the fundraiser as a tool to bring people together for an evening of fun and socializing while supporting both nonprofit needs and local business. To learn more about Pappo’s 5-Year Anniversary festivities this fall, visit www.papporestaurant.com.

The following are two testimonials from riders who completed the Grizzly Peak Century Ride. “Back in February when I saw the flyer announcing a training program with Heidi Dauberman to prepare for the notoriously hard Grizzly Peak Century, I thought, ‘That’s a really tough ride, and I haven’t done any serious riding in at least a decade. Could I really get into shape to do something that hard, in only eight weeks?’ With Heidi’s boundless enthusiasm, limitless energy and sense of humor, plus expertise in cycling nutrition and the technical aspects of serious training, I met and exceeded all my goals. At age 62, I am now riding stronger and better than 10 or even 20 years ago, the climbs that seemed so hard at first now are easy, and I have a whole new group of cycling friends with a passion for riding. I am continuing to do hard rides every weekend even with the Grizzly Peak ride conquered, and riding is part of my life again.”-Mike Scholtes “I’ve never felt proud of myself while training for an event (and I’ve trained for a lot of events); but training for the GPC was different—I actually felt proud of myself during the training. I accomplished things I never thought possible—including summiting Mt.

Diablo. I witnessed my growth as a cyclist during the eight weeks of training. Each challenge brought something new, but when I got the chance to face a challenge for a second or third time, it got easier and I exceeded my expectations. I couldn’t have done this without the expertise of Heidi and the encouragement from her and the rest of the group. Sharing humorous stories, frustrations, fears, smiles, tears, encouragement and “Woo Hoos!” at the end of long climbs created a wonderful camaraderie that I will carry with me always—and I can’t wait to do it again!”-Cathy Brewer

By Heidi Dauberman

Grizzly Spring Training in Cycling

Rider Cathy Brewer and Trainer Heidi Dauberman take a breather during the Grizzley Peak Century ride.

Photo courtesy of Cathy Brewer

From more information on personal training and coaching for cycling at the Harbor Bay Club, please contact Heidi Dauberman at ext. 112 or Leslie McGraw at ext. 119.


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AQUATICS

Splish, Splash, Swim at HBC 2010!

Harbor Bay Club swim instructor Shannon Gima is flanked by two eager swimmers, ready for another fun lesson in the pool.

Photo by Kerri Lonergan

The Harbor Bay Club Aquatics Department is committed to providing quality swim instruction to everyone, and summer is a particularly great time

to get wet! We offer year-round swimming instruction for all ages with all levels of swimming skill and all varieties of interest—whether you’re training for competitive swimming, exercise, or to become a more proficient swimmer.

ADULT WATER OPTIONS

Although many of us are well into our summer fitness routines, there is still time to add some variety to your workouts, and the pool is the perfect place to start. It is never too late to learn to swim! From beginners to triathletes, our swimming classes for adults are ideal for people who desire to improve their technique or conquer their fear of the water. Our trained instructors will guide you through basic skills and our classes are tailored to meet your individual needs. At the Harbor Bay Club, we have several options for those of you wishing to work out at the pool. For the non-swimmers, we have our popular Water Aerobics classes. They meet four times a week and any member can join at any time. There are three mid-week morning classes: Tuesday, Thursday and Friday mornings from 10:30-11:30 a.m. Additionally, we have a Saturday morning class at 9 a.m. These classes are great for a low-impact workout. If you are a swimmer, and you’d like to improve your swimming technique while adding conditioning to your overall workout, you should try our Adult Fitness Swim Class. In this class, you’ll learn to swim more efficiently with less effort. It’s a great way to become familiar with a real swim workout while getting to know others who enjoy swimming. Class is offered on Tuesdays and Fridays from 8-9 a.m. Finally, we have our Masters program, which meets three times a week: Monday, Wednesday and Friday mornings from 6:45 to 7:45 a.m. If you are a little more experienced and want a good one-hour workout in the pool, this is the place for you. This group is congenial and will really motivate you to get the most from your workout.

KIDS PROGRAMS

Our children’s programs are going strong. We have classes available in all levels, whether your little ones getting wet for the first time or are advanced swimmers. For the more experienced young swimmers, there is the Junior Swim Team that practices on Mondays, Wednesdays and Fridays from 4-5 p.m.

For the very smallest of our little guys, there is the popular Water Babies class. In a fun, relaxed environment, skills are taught through repetition of songs and activities. The class emphasizes positive reinforcement and progress at a comfortable pace for you and your child. Also look for our new water polo class. Your child will learn the basic fundamentals of water polo—including eggbeater, game strategies, ball handling, passing, dribbling, shooting, basic half-court offense and defense, and more! Children should be proficient swimmers to participate (beginner level or above). Class size is limited, so be sure to sign up early. Classes will be held Mondays, Wednesdays and Fridays from 12-1 p.m. for ages 8-12. We also offer private and semi-private lessons all year long with some of the best instructors in town! Our private swim lessons are available for students of all ages. With one instructor and one student, the learning process will be accelerated. Your child will receive personalized attention at an optimal level. Does your child like to swim with friends? Semi-private swim lessons offer students the opportunity to interact with another student of a similar age and ability while still receiving personal attention. These classes and lessons are great ways to introduce your little ones to the joys of water play or improve their skills. Check out our Aquatics Class Schedule for all available lessons and classes. Remember that you do not need to be a member to participate in our classes, and always feel free to call the Aquatics Department at ext. 113 for more information.

HowardSidorsky

H o w a r d S ido rsky, A l a m e d a r e s i d e n t a n d c l u b m e m b e r for over 10 years, is a remarkable example of the health and social benefits of active exercise at any age. Already fit as an active runner and cyclist when he first joined the club, Howard, a retired software industry executive, set his sights higher. The first mountain to conquer was group cycling. “After my wife, Sandy, suggested the spin cycling class, we began regularly taking classes,” said Sidorsky. “Because I usually don’t do anything halfway, I was soon cycling four to six days a week!” After three years of this rigorous cycling regimen while continuing to run, Sidorsky began to swim in order to add development to his upper body and reduce strain on his joints. True to form, once in the pool, Sidorsky didn’t do much wading. He first started swimming on his own to improve his time in triathlons, completing the San Jose International Triathlon in 2006. Then he joined the club’s Masters program, which offers a variety of fun challenges and social benefits. Along the way, just shy of turning 70, Sidorsky completed the swim from Alcatraz to San Francisco—not once but twice. “My goal now is to swim with the club team until I’m 90,” Sidorsky said. Sidorsky particularly loves the social element of the Masters. “It’s just a great social group,” he said. “We do birthday parties, after-swim socials and lots of fun events.”

People Spotlight

By Sandy Glendinning


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96th Annual City of Alameda

Presented by the Alameda Recreation and Park DepartmentCo-Sponsored by the Harbor Bay Club

Fund-raiser for the Alameda Recreation and Park Department

FRIDAY, SATURDAY & SUNDAY,SEPTEMBER 11, 12 & 13, 2009

N.T.R.P. LEVELS❖

5.0 +

❖

4.0 - 4.5❖

3.5 & below

ENTRY DEADLINE:

For more information call (510) 747-7529

Friday, August 21, 2009

Tennis Tournament97th Annual City of Alameda

FRIDAY, SATURDAY & SUNDAY,SEPTEMBER 10, 11 & 12

August 11

Although Northern California has a rich tennis history, Jamie Pawid and Julie Leong didn’t feel that way when they, as Northern California

top-ranked junior tennis players, began touring the nation a few years ago. “All the other players from across the country seemed to have a certain team cohesiveness,” said Stewart Toy, Jamie Pawid’s manager. Pawid, Leong and Toy wondered why there wasn’t more support and pride in the top-ranked young tennis players Northern California produces. So they decided to take matters into their own hands. In 2009, with the support of Toy and Pawid’s father, tennis pro David Pawid, the two girls created Norcal Xtreme Tennis. Their

goal was to promote tennis in the region and build regional pride, unity and identity among players of all ages and abilities. “We felt that there was a unique opportunity to create a ‘junior helping junior’ environment—a place where our most talented junior players helped mentor and provide leadership to younger, less experienced players who just need an extra edge,” said Toy. To that end, this unique group has set up shop at Harbor Bay Club, providing opportunities for the serious junior tennis player. The group is hosting a weekly high-performance workout clinic at the club every Thursday throughout the summer from 10 a.m. until 1 p.m. “I am very excited to hear that Norcal Xtreme Tennis will be offering our top juniors another opportunity to train together. This can only help our juniors take their game to the next

level,” said Steve Leube, executive director of U.S.T.A. Northern California. “Out on the courts of Harbor Bay Club you can feel the excitement of this unique group as they hone their skills, share their latest encounters and mentor younger players. It is refreshing to see the best of the best get together and to enjoy tennis together,” said Jennifer Pitzen, director of competitive play at U.S.T.A. Northern California. The clinics are designed to allow good junior tournament players the opportunity to experience an intense workout session with top-ranked juniors in a fun and relaxed environment. This is also a chance for top junior tennis players to work out and train with their peers. “Nothing motivates kids to train harder and give 100 percent effort than being in the presence of their peers,” said David Pawid. “We have clinics and train together, and we talk to each other. Girls I never talked to before, I know them all now. We’re all friends,” said Jamie Pawid. Her father echoes her sentiment: “We thought it would be nice if the kids were more united and could support each other, particularly when we’re on the road.” The juniors have picked up this ball and run with it. In addition to Jamie, who is ranked #1 in Northern California girls 18’s and #55 nationally, there is a significant amount of homegrown junior

By Debra Costner

Norcal Xtreme Tennis: Building a Community for Juniors

Bay Area talent involved in the clinics put on by Norcal Xtreme. Laura Posylkin is currently ranked #2 in Northern California. Janet Liu is currently ranked #3 in Northern California and #87 nationally, and Katya Vasilyev is ranked #5 in Northern California. Boys involved in the clinics include Chris Kipouras, who is currently ranked #3 in Northern California and Andrew Malozsak, who is currently ranked #8. Man Pham, father of clinic participant Tiffany Pham, explained his enthusiasm for the group: “We come all the way from Elk Grove to attend this high-performance clinic. Where else can you find this many top-ranked players to hit with unless you are paying $1,000 a week?” So what is it that makes the group Xtreme? As Toy explains it, “We’re bringing up the Y2K generation. They are the extreme generation—they go beyond the traditional and are reaching out for more.” Toy sees this organization as part of a legacy that older players can leave behind for the younger generation. To that end, Norcal Xtreme is utilizing new media to help build the group, including a Facebook page to connect the participants. Additionally, the group will soon launch an interactive community website at www.norcalextreme.com that will allow the players to share information and share experiences in a central location.

Anchoring the Xtreme Tennis program, with Coach David Pawid, are L-R: Deborah Lee, Tipper Truong, Melissa Hirsch, Emma Marti, Jamie Pawid, Janet Liu, and Laura Posylkin.

Photo by Kirk Cowan


By Mike Bauer

Alameda’s Summer Season of Tennis

In the springtime, we began to see weather that brought with it lots and lots of California tennis—sunnier, warmer, longer days. More time on the courts

meant that players were keeping those pounds off while having fun. Then, summer weather finally arrived in June this year! One of Alameda’s great natural gifts is its perfect weather conditions during the summer months. We have a natural, built-in air conditioner—namely, fog—which is great for keeping your body and court temperature from getting out of control. With USTA, Harbor Bay Club leagues, socials and those who just drop in for a hit, it is the best of the best in the tennis year. The end of the summer also offers us something special, aside from the guaranteed sun each day: The start of the U.S. Open series. After the long three-setter you prepared for, you can sit back and watch the World Tennis Tours. Following Wimbledon, the players begin their eight-week U.S. Open series in California, before finishing with the U.S. Open grand slam itself in New York. I believe—whether on the World Tour or here at the Harbor Bay Club—that when tennis is a part of your life, it gives you endless pleasure and keeps you healthy. With our perfect conditions, in Alameda there is nothing stopping anyone from playing this sport for a lifetime.

Follow us on TwitterYou can now receive all of your HBC Tennis news and updates via Twitter! If rain is in the forecast and you are eager to get on the courts, we will post an update when the rain arrives and when the courts are dry and ready to be used. We will also post upcoming USTA weekend home matches and club events so you can determine whether or not you need to book your courts ahead of time. You do not need a Twitter account to view the webpage or to view any news updates we post. If you do have an account, subscribe to our page to receive emails as

soon as we post an update. You can visit our page by searching HBCTennis on Twitter.com or by visiting www.twitter.com/hbctennis.

The U.S. Open Mixer at HBCCome out and help us celebrate the last grand slam of the year, the U.S. Open, at the Harbor Bay Club with a doubles round robin tournament mixer. The event is scheduled for Sunday, August 29, 10 a.m. to 1 p.m. In honor of the U.S. Open, we will be having a barbeque after the mixer for everyone who attends. Entry fee is $5. To pay homage to the slam, we welcome you to wear red, white and blue onto the court! To sign up, please contact Andy Tupman, tennis coordinator, at [email protected].

Adult League Districts are almost here.Harbor Bay Club will be one of four locations hosting the USTA Adult League Districts during the weekend of August 14-16. Teams from all over the Bay Area will be competing at the club to see who will continue on to the USTA Adult League Sectionals in late August. For more information on Districts or Sectionals, visit www.ustanorcal.com

Super Senior 65 Sectionals at Harbor Bay Club.Harbor Bay Club will be hosting the Super Senior 65 Sectionals from Monday, September 20 until Wednesday, September 22. Teams from all over the Northern California will be playing for a spot in Nationals. Please visit www.ustanorcal.com for more information.

Harbor Bay Club is hosting the 97th Annual City of Alameda Tennis Tournament this September! The tournament will be held September 10-12 and is open to anyone, so you do not have to live or work in Alameda to get on the courts. There will be N.T.R.P. divisions 3.5, 4.0, 4.5 and 5.0 singles, doubles and mixed doubles. All entries must be received by the Alameda Recreation and Park Department by

There’s no better time to take advantage of Alameda’s ideal weather conditions and strike up a game of doubles than during the summer.

Photo by Kirk Cowan

TENNIS

Friday, August 27. Entry fees are $25 for singles players and $40 for a doubles team. For more information, contact

Trini Sanchez-Blumpkin at the Alameda Recreation and Park Department at (510) 747-7529.


THE SPA AT HARBOR BAY

Rob and Mia Bonta

Whether Rob and Mia Bonta found in Alameda an idyllic, f a m i l y - f r i e n d l y c o m m u n i t y, o r whether Alameda found in the Bontas another chapter in

its long tradition of close-knit family living, is debatable. However the connection was made, it’s certainly been a perfect fit for Rob and Mia and their three children: Reina, 11, Iliana, 5, and Andres, 1. Also part of the family is Rob’s mom, Cynthia, who helps look after the kids and lives in a traditional in-law unit.

People Spotlight The Bontas’ story exemplifies how Alameda’s unique quality of life and small town values attract people from all backgrounds. Fresh out of high school, Rob, who was raised in Sacramento, and Mia, who’s from the Bronx, met while both were in freshmen orientation at Yale—where they later attended law school together. Years later, after getting married and with little Reina only one year old, Rob fortuitously found Alameda through a rental listing while looking to re-establish roots back in the Bay Area. “We saw the peace and tranquility of Alameda, and it even satisfied Mia’s requirement to be on the beach,” joked Rob. “One of the greatest qualities of Alameda is its strong sense of community. There’s no apathy. People are very engaged, action-oriented and

The Spa at Harbor Bay: Then and Now

The year was 1983, and I was a recent graduate of the National Holistic Institute in Oakland. Eager to test my newly-honed

skills as a massage therapist, I got a job at Harbor Bay Club, and I was excited at the prospect of being a part of this brand-new facility. Back then there were only two massage therapists, one massage room, and we practiced a total of three massage modalities between us: Swedish, Deep Tissue and Shiatsu massage. Everyone wore white Reeboks to aerobics classes, and Lionel Ritchie and Tears for Fears played over the music system. In the year 2010, I sometimes still hear Lionel Ritchie playing over the music system, but at the Spa at Harbor Bay, times have changed! Instead of one massage room, we now have a full-fledged spa with three massage rooms, a brand new Nail Salon and Spa Shoppe, a facial and waxing room, a waiting room, and other spa services available for our clients. Robes and lockers are accessible to both members and non-members, as well

as our Children’s Center. We currently have 10 therapists on staff at any given time, often with three therapists working simultaneously, and we have 136 years of combined massage experience. That depth and breadth of that experience is also reflected in the massage modalities offered at the Spa at Harbor Bay. Like most spas, we offer Swedish/Esalen, Deep Tissue and Acupressure massage, as well as the more pampering body treatments and Hot Stone Massage. But Harbor Bay practitioners also offer modalities that address more specific issues: For example, Neuro-Muscular Reprogramming, known as NMR, helps reactivate the brain to use muscles that have not been used effectively due to injury or atrophy. Myofascial Release has the therapist look for fascial restrictions impinging on nerves, muscles or bones, and, through extended stretching, helps the body to release the restrictions and bring great relief to the client. One of our therapists, Chelsea, practices over twenty modalities in the Asian traditions, including Thai massage. Our gifted group of therapists, of which I am honored to be a part, is firmly committed to the clients’ health and well-being. Over the years the salutary effects of

By Katja RiveraMassage Therapist

massage have been well documented, and I see them every day at the Spa at Harbor Bay. The first sign is easy to see—clients emerging from the massage rooms with looks of utter bliss on their faces. Beyond stress relief, massage is beneficial for speeding up recovery from injuries, increasing circulation and alleviating pre- and post-natal symptoms. Had an especially hard workout session? A massage

will help soothe those aching muscles. Looking for a reward for having lost those 10 pounds? Massage will help motivate and inspire you to reach your goal. The reasons for getting a massage are as numerous as the benefits. And while daily massages may be outside most of our budgets, the Spa at Harbor Bay makes a high-quality massage surprisingly affordable.

fight for what’s important to them.” Both Rob, currently Deputy City Attorney for San Francisco, and Mia, a consultant for youth and educational nonprofits, are particularly passionate about public service—both serve on several local boards. In an effort to help serve the needs of the community further, Rob is running for Alameda City Council this year. In addition to juggling kids and careers, the Bontas are active soccer parents and club members. “I love to catch up on the news while running on the treadmill every morning,” said Rob. For her part, Mia’s a spa regular and adds, “The club and spa are an escape for me.” For more info on Rob and his run for City Council, visit www.robbonta.com.

Veteran Massage Therapist Katja Rivera knows all the right techniques as she works with a spa client in one of three massage rooms at the Spa at Harbor Bay. The Spa at Harbor Bay is open to the public and serves both members and non-members of the Harbor Bay Club.

Photo by Kirk Cowan


Celebrate the Art of Living Well

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Raising Money for theAlameda Food Bank

Come Join Us Celebrating Five Great Years In Alameda with a Five Day Celebration

Special Menu ItemsThrow-Back Pricing

5th Anniversary Party at Pappo!September 29 through October 3


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FEATURE ARTICLE

A young person’s junior high, high school and college years each mark a time of adjustment and change—not only physical change, but

social change as well. Remember the days when our best friends were our whole lives? For people with Intellectual and Developmental Disabilities (IDD), it is just as important to have friends who can understand their challenges, include them in social activities, provide mentoring, and in some cases, stand up for them. In our city filled with an abundance of organizations that are geared towards

helping others and creating friendships, there is one very vibrant and active organization providing support for students with IDD in Alameda High School. Since 2001, the local chapter of Best Buddies has paired students affected by IDD with “peer buddies”—students without IDD who commit to helping them throughout the school year. This relationship encourages students with IDD to become active participants in mainstream school culture. Evidence of this is abundant at Alameda High School: An IDD student, Diana, who is matched with her peer buddy, Stacey Koutoulakis, said: “I like meeting new people and Best Buddies makes me more confident.” Best Buddies International, founded in

1989 by Anthony Kennedy Shriver, is now over 1,500 chapters strong. Its mission is to establish a global volunteer movement that creates opportunities for one-to-one friendships, integrated employment and leadership development for people with IDD. Educators believe that Best Buddies chapters have helped students with IDD integrate into the general student body by providing them with opportunities to gain social and leadership skills through their participation. Shelly Helgeson, Best Buddies Bay Area program supervisor, who leads the 30 chapters in the Bay Area, told us about one of many friendships that has been created through the program. Current Chapter President Sarah Price

and her buddy have a friendship that truly highlights the value of the Best Buddies program: “Sarah’s buddy is seen as an ‘easy target’ at school. He is frequently picked on by other students, and Sarah is his most staunch defender,” Helgeson said. “Sarah’s dedication to him has rubbed off on other students; he now receives ‘hellos’ from other students on campus.” Because of the way that Price gently guides her buddy through the social minefields of high school, it is abundantly clear how much she cares for him. “They frequently discuss when and how they will see each other after Sarah leaves for college this summer, and it is sweet to see how much he wants to have Sarah’s influence in his life,” Helgeson said.

Best Buddies...

For LifeBy Michelle Trippi

The Best Buddies of Alameda High School all gather together at a recent picnic to celebrate a great year of fun, friendship and local progress for the program.

Photo by Kirk Cowan


FEATURE ARTICLE

The program is very much beloved here in Alameda. Grace Guneon, Alameda High School’s Best Buddies vice-president for next year, is a rising sophomore. Guneon’s buddy, Bethany, said that her favorite thing about having a buddy is when Guneon gave her a teddy bear and a Dora the Explorer Doll. Bethany added that her favorite thing about Best Buddies is the activities, such as a recent trip to the movies. Other buddies have their favorite activities as well: Alex likes doing homework with his buddy, Rhys, while Joshua loves drawing with his peer buddy. Christina Cowan, a rising sophomore and next school year’s Best Buddies president, has big plans for her chapter of Best Buddies. “There are many things that need to be accomplished this next year,” Cowan explained. “I am hoping to establish more of a commitment from students by meeting more often, and I want to add more fundraising events so we can make sure we start off every school year with more money.” She also desires better communication between students involved in the club and their families. “I want the families to know what we are doing and become more involved,” said Cowan. Helgeson said that reciprocity is one of the most unique aspects of the organization. “Students who volunteer as Peer Buddies are provided with leadership opportunities within their chapters. They also gain a sense of global interconnectivity as they communicate with other volunteers active in the other chapters around the world,” she said. “The intellectually and developmentally disabled students benefit from the social interactions—facilitated by their one-to-one friendships—that all too often never take place in society.” In turn, both participants achieve a more fulfilling educational experience, equipping them with the tools they need to become active and engaged members in their educational institution, workplace or community. Helgeson, who resides in San Francisco, says that the student leadership at Alameda High School is outstanding. “Their dedication to Best Buddies’ mission of creating opportunities for one-to-one friendships with students with IDD is incredibly inspiring.” Raising funds is going to be a very important part of

the club’s ongoing responsibilities. In fact, the first Alameda High Best Buddies club fundraising event that Cowan is kicking off for the upcoming school year is scheduled for June 11 at the Harbor Bay Club from 6:00 to 9:30 p.m. “We hope to have donations for the event from local businesses for desserts, sparkling cider and soda for the kids, and a cash bar for the adults,” Cowan said. As for other activities, there will be bake sales, a “food fair” during the lunch hour at Alameda High where all students can buy food from the Best Buddies team, and a donation box on parents’ night at the school. Cowan wants to step up the fundraising efforts as much as possible. “This year we only had enough money to pay for my ticket to the Best Buddies International Leadership Conference,” Cowan said. The leadership conference that Cowan referred to is the Annual Best Buddies International Leadership Conference, which for the eighth year will be held at the end of July at the Indiana University in Bloomington, Indiana. The conference brings together leaders with and without IDD from high schools and colleges worldwide, providing them personalized training that develops the leadership s k i l l s n e e d e d t o

organize a Best Buddies chapter. In addition, conference attendees learn about and discuss topics such as the global disability rights movement, tolerance, inclusion, advocacy, professionalism, public speaking, time management, fundraising and volunteer management. Attendees are challenged to explore their own full potential, tap into their power to motivate others, and translate awareness into quality friendships between students with and without IDD. Helgeson noted that many of the student officers are currently trying to raise funds to attend the conference. “It is the best opportunity for these students

to equip themselves with the leadership and motivational skills that will not

only help them run a successful Best Buddies chapter, but also provide them with tools that will last a

lifetime,” she said. Cowan tells us that she is in fact trying to raise funds so all of the officers-elect of the Alameda High School chapter can join her in Indiana. The university contributes to cost savings by providing lodging in on-campus

housing and serving meals to attendees at the dining hall. If you would like more information about Best Buddies and the Alameda chapter, please email either Bay Area Program Supervisor Shelly Helgeson

at she l lyhe lgeson@b e s t b u d d i e s . o r g o r

incoming Alameda High

School Chapter President Christina Cowan at [email protected]. The organization does not host websites for local chapters; however, you may visit Best Buddies International at www.bestbuddies.org for upcoming events, including the Annual Hearst Castle Challenge on September 11. Helgeson tells us that this event is a wonderful way to get involved and raise awareness for Best Buddies International on a local level.

“The intellectually and developmentally disabled students benefit from the social

interactions that all too often never take place in society.”

— Shelly Helgeson, Best Buddies Bay Area program supervisor

President-Elect, Christina Cowan (right) and her Best Buddy Rachel.

BEST BUDDIES AUCTION!!

Join Us in a Celebration and Silent

Auction to Benefit the Alameda Chapter

Harbor Bay Clubhouse200 Packet Landing Rd

Cash bar and refreshments.Auction items donated by

local businesses.

ALL proceeds go to Best Buddies

RSVP: Christina Cowan(510) 289-5557

[email protected]

July 11th 6:00 to 9:30 p.m.


Kaelyn andKendall AdamsIf you happen to bump into two adorable young girls who seem as comfortable cruising around the club as they w o u l d b e i n their own home,

you’ve likely met twin 7-year-old sisters Kaelyn and Kendall Adams. And if you ask them who is the

People Spotlight

older of the two, Kendall is quick to clarify that she’s older by three whole minutes, although mom is quick to add that “that’s only because Kaelyn probably kicked Kendall out into the world.” Kendall and Kaelyn, club members with their parents, Kathy and Steve Adams, for almost four years, have made the club a second home. On a daily basis during the school year, they add lots of energy and fun to Kids Club, the club’s afterschool program, and they’re both ecstatic about participating in every week of the club’s wildly popular summer Kids Camp for the fourth

year in a row. “We especially love the skits, BBQ’s and sleepovers every Friday night,” Kaelyn said. When not at the club, Kendall enjoys soccer—in her fourth year, she’s already a seasoned veteran—and ice cream, or “sugar” as she likes to say. She also can’t wait to be a CIT (counselor in training) at the club when she gets older. For her part, Kaelyn loves hanging out with her friends, watching Victorious (her favorite TV show), and playing basketball. Kaelyn also hopes to be a country music star like Taylor Swift.

KIDS CORNER

September to Become National Childhood Obesity Awareness Month

The traditional summer time refrain of “I’m borrrrreeeeed, there’s nothing to do!” rings through the house. By late July, you are even more tired of hearing this than your kids are of saying it. What is there left to do that you haven’t already done this summer? Here is my helpful guide to find those family-friendly activities that you might not have thought of yet.

*July 24-25, 2010 – Park Street Art and Wine Festival: The Park Street Art and Wine Festival in Alameda is a multi-faceted event that offers: arts & crafts; food; beer, wine and Mimosas; two music stages; kids’ area; pony rides; and petting zoo. www.shopparkstreet.com

*Sundays June 20 through August 22 – Stern Grove Festival: Free Sunday concert series in San Francisco. Kids Days are July 13-15, Latin Dance with Mission Cultural Center for Latino Arts, Swing Dance with Hep Jen and August 3-5, World Dance Kids Day with San Francisco Ballet Center for Dance Education. There is a Kidstage before every concert, which includes different activities each week. Learn to dance, play drums, or make a mural. www.sterngrove.org

*August 27-29 – Eat Real Festival: Free, in Oakland’s Jack London Square, is a festival all about free street food, fresh summer fruits and veggies, live music, handcrafted local beers, and ice cream sold from the back of a bicycle. In between the good eats, enjoy the non-stop entertainment and activities that include chef demonstrations, dance performances, bands, films, food competitions, and lots more, for free. www.eatrealfest.com

*September 11-12 – 15th Annual Ghirardelli Square Chocolate Festival: Indulge in chocolate delicacies, sip wine and enjoy chocolate inspired family activities at Ghirardelli Chocolate in San Francisco. www.ghirardellisq.com

The U.S. House of Representatives recently passed a resolution, currently awaiting signature from President Obama, that wi l l make September 2010

National Childhood Obesity Awareness Month. According to a recent report from the Robert Wood Johnson Foundation, childhood obesity has more than tripled in the past 30 years, and the percentage of obese and overweight children between the ages of 10 and 17 is at or above 30 percent in 30 states. House Resolution 996 was introduced by Congresswoman Marcia Fudge (D-Ohio) and was co-sponsored by 110 members of the House. Speaking on the House floor, Rep. Fudge said, “Dedicating at least one month out of each year to bring awareness to this issue of childhood obesity will help maximize the effect of programming, messaging, and campaigns all aligned with the sole purpose of eradicating childhood obesity.” In another childhood obesity effort, First Lady Michelle Obama in February launched her Let’s Move initiative, which is designed to get healthier foods in schools, give parents support to make healthier choices for their children, and get families up off the couch and active

together. One important aspect of the program is focused on getting healthy, affordable food available in every part of the country. As part of her initiative, Michelle Obama is urging the nation’s largest food companies to speed up efforts to make healthier foods and reduce the marketing of unhealthy foods to children. “We need you not to just tweak around the edges but entirely rethink the products you are offering, the information that you provide about these products, and how you market those products to our children,” she said. In terms of initiatives you can take in your own home, you can help your family stay healthy by educating yourself about what you are serving your children. One idea is to take a page from Chef Jamie Oliver and his “Food Revolution” movement. Oliver asks families to sign a petition that they will be committed to making healthier food choices for their families, and to do the following, “Educate yourself about food and cooking. Find out what your child is eating at school. Make only a few small changes and magical things will happen. Switching from processed to fresh food will not only make you feel better but it will add years to your life. You can start a food revolution in your own home, all you need to do is cook something. From scratch. With fresh and raw ingredients—no packets, no cheating!”

By Erin Brown

By Erin Brown

Family Summer Fun


SAVE THE DATE 14th Annual Alameda Meals on Wheels Community Faire & Wine Tasting

Join us for an enjoyable afternoon celebrating the memory of Dr. Alan Mitchell

New Location

Sunday, July 18, 2010 ● 1:00 – 5:00 PM RockWall Wine Company, 2301 Monarch Street, Alameda

Called “the best event in Alameda,” this is the biggest fund-raiser of the year for Alameda Meals on Wheels.

Suggested $20.00 donation at the door includes one raffle ticket towards a prize of $200.00. Donations welcome.

Taste of Alameda

Hors d’oeuvres from local restaurants Tucker’s Zinfandel ice cream

Wine Tasting

Tastings from award-winning California wineries Silent Auction

Fine wines, gift baskets, vacation destinations Swing and Jazz Music

Provided by Three O’Clock Jump Children’s Play Area

Backyard Carnivals “BikeAlameda will be on site”

For information about receiving meals or volunteering for Alameda Meals on Wheels or Alameda Friendly Visitors

Please call (510) 865-6131 www.alamedamealsonwheels.org

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By Michelle Trippi

Alameda Friendly VisitorsOne Hour a Week Creates a Lifetime of Friendships

Once a week, Jeanne Godchaux—who is 87 years old, homebound and has lost most of her eyesight to macular

degeneration—looks forward to a special visit from a dear friend. Once a week, Felicia Fish awaits the time she can get away from a never-ending to-do list, and go to a place with no expectations, no deadlines or agendas. There, she can relax and share stories with Jeanne. Both women f ee l very blessed to have each other. Felicia puts it this way: “She’s an absolute inspiration and I feel blessed to be able to count her as a dear friend.” Beginning in 2005 as a spin-off of the Meals on Wheels program, Alameda Friendly Visitors has grown into a valuable resource for the community. Lasting relationships continue to grow, with both visitors and recipients being enriched by the time they spend together. As a result, there are fewer people in our community who feel forgotten, isolated and alone. Program Director Kathy Miranda said that there is currently a waiting list

of people in need of visitors; her goal is never to have such a waiting list. “Our biggest need at the current moment is for volunteers,” said Miranda. Mark Haskett, Alameda Friendly Visitors’ first placement, and his eight-year-old son Mills have been visiting D.J. Agnew for over five years. Now, Haskett’s daughter Nicola has joined her dad and brother for weekly visits. “We started out as just visitors, but we have become so much more. D.J. is a member of the

family now. She has joined us for Thanksgiving the past few

years,” said Haskett. For D.J., the relationships are precious, and she loves the opportunity to watch a new generation grow. Both parties express

sincere gratitude to Alameda Friendly Visitors for making

this connection possible. The kids especially like riding on D.J.’s wheelchair and watching for ducks in the lagoon! In Alameda there are a number citizens who are alone, homebound, are away from family, or have no one at all with which to share their remaining years. Alameda Family Visitors has grown into an organization based on connections between people in need of company and those who want to give just an hour or

two each week inspiring, and becoming inspired themselves. Miranda tells us the most gratifying accomplishment of the program is “seeing the faces of the people we serve and knowing that it brings them happiness and brightens their week and quality of their lives.” If you or someone you know would like to volunteer to visit someone in need or help fund the program through monetary or in-kind donations, please call Alameda Friendly Visitors at (510) 748-0342 or visit the organization online at

http://www.alamedamealsonwheels.org/about_afv.html. You will be starting

a wonderful and fulfilling relationship that is gratifying to both of you.

D.J. Agnew, shown here with visitors MarK Haskett and his two children Mills (left) and Nicola (right), was the first placement for the Friendly Visitors Program now celebrating 5 years.

Now lifelong friends, Jeanne Godchaux and visitor Felicia Fish enjoy a recent afternoon tea celebrating AFV’s 5 years.

Photo by Kathy Miranda

Photo by Olga Crowe


REAL ESTATE UPDATE

Dennis Pagones

Dennis Pagones is president of Harbor Bay Realty. Since 1984, Harbor Bay Realty has served the residential, commercial, and relocation real estate needs of the entire East Bay as well as leasing, rentals and property management. As a full-service company with over seventy dedicated professionals, Harbor Bay Realty knows and covers the market like no other firm. Over the years they have acquired unparalleled expertise in dealing with real estate matters unique to our area.

Pending home sales h a v e r i s e n f o r three consecutive months, reflecting the impact of the

homebuyer tax credit and favorable housing affordability conditions, according to the National Association of Realtors (NAR). The Pending Home Sales Index rose 6.0 percent to 110.9 based on contracts signed

Pending Home Sales Rise

By Dennis Pagones in April, from a revised 104.6 in March, and is 22.4 percent higher than April 2009, when it was 90.6. That follows gains of 7.1 percent in March and 8.3 percent in February. Lawrence Yun, NAR chief economist, said this second round of surging sales from the tax credit extension looks as strong as the original tax credit. “There were concerns that only a small pool of buyers were left to take advantage of the tax

credit extension. But evidently the tax stimulus, combined with improved consumer confidence and low mortgage interest rates, are contributing to surging sales,” he said. “The housing market has to get back on its own feet and now appears to be in a good position to return to sustainable levels even without government stimulus, provided the economy continues to add jobs.” Last week the United States Senate amended HR 4213, the “American Jobs and Closing Tax Loopholes Act of 2010,” to give homebuyers who were under contract on a home purchase by April 30 an additional three months to close their transaction and claim the federal homebuyer tax credit. Extending the deadline for closing from June 30 to September 30 would allow lenders more time to clear a backlog of 180,000 homebuyers nationwide. While the Senate has amended HR 4213, it has not held a vote on the amended bill itself. In addit ion, a smaller percentage of mortgages were delinquent and the rate of those entering the foreclosure process slowed in the fourth quarter of 2009, possible signs that the foreclosure crisis that has gripped many of the nation’s housing markets is starting to ease. “We are likely seeing the beginning of the end of the unprecedented wave of mortgage delinquencies and foreclosures that started with the subprime defaults in early 2007,” said Jay Brinkmann, chief economist of the Mortgage Bankers Association. The delinquency rate for the mortgage on one-to-four-unit residential properties was seasonally adjusted to 9.47 percent of all mortgages outstanding in the fourth quarter, down from 9.64 percent in the third quarter and up from 7.88 percent in the fourth quarter of

2008, according to the MBA’s quarterly delinquency survey. Delinquencies include mortgages that are at least one payment or

more past due but not yet in foreclosure. The numbers suggest that the housing market may not be flooded by a fresh wave of bank repossessions, which had been seen as a major threat to the market’s recovery. For borrowers with good credit and cash for a down payment , mor tgage ra te s remained at or near record lows, according to Freddie Mac’s latest weekly rate survey. The survey found that rates on 30-year fixed-rate loans have not been this low since December 3, 1971, when rates averaged 4.71 percent. Rates on 15-year fixed-rate mortgages averaged 4.2 percent with an average 0.7

point, up from 4.17 percent last week but down from 4.89 percent a year ago. The Conference Board’s

index for consumer confidence in May rose by five points, its highest level in nearly three years. This is a good sign for consumer’s wil l ingness to purchase real estate. Of course, not all the latest news is upbeat. There are still some major roadblocks in the way of any full economic and housing recovery. Top on the list is the persistent high unemployment numbers. For more information on our local real estate market, contact one of our Harbor Bay Realty agents, or go to HBRinfo.com and click on “Our Resources” and then “Market Trends.”

“The housing market has to get back on its own feet and now appears to be in a good position to return to sustainable levels even without

government stimulus, provided the economy continues to add jobs.”

— Lawrence Yun, NAR chief economist


mix of credit cards and installment loans? Those with credit cards who have managed them responsible generally tend to be a better risk than those who have no credit cards.

In mortgage lending, the optimal middle score of the three bureaus is 720. At this level, generally the best interest rates and offers for credit will be extended. In our current real estate market climate, some homeowners have been faced with the unpleasant realities of short sales and foreclosures, events that can have major effects on credit scores. Here are some estimates of point-score declines following mortgage delinquency problems:

• 30dayslate:40-110points• 90dayslate:70-135points• Foreclosure,shortsaleordeed-in- lieu: 85- 160 points• Bankruptcy:130-240points

When it comes to managing your credit, it really does pay to “know the score.”

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MORTGAGE MATTERS

CA. Dept. of Corp.

License #4150025.

Credit on Approval

Rates as of

July 1, 2010

510-749-7772

Fax 510-749-7749

Pholmes@ sterlinghomeloan.com

www.sterlinghomeloan.com

Peter Holmes / Mortgage Specialist

Integrity EXperience Value 510-749-7772

Credit scores play a huge part of mortgage lending in the United States. Credit scores are computed by Experian, Equifax and

TransUnion, the three major credit bureaus. Each person has three FICO scores, one for each of the three bureaus. Each score is based upon information the credit bureau keeps on file about you. As your financial information changes, your credit scores tend to change as well. Your three FICO scores affect both how much and what loan terms (interest rate, etc) lenders will offer you at any given time. The scores are designed to predict the exact amount of risk associated with a particular borrower; the higher the score, the lower the risk. The FICO score range is 300-850. Credit bureau scores are called FICO scores because most credit bureau scores used in the United States are produced from software developed by Fair Isaac

The Key to Winning is to Know the ScoreBy Peter Holmes and Company. FICO scores have different

trade names at each of the credit reporting agencies; all are developed by using the same methods by Fair Isaac. Equifax has its BEACON score, Experian uses Experian/Fair Isaac Risk Model, and TransUnion uses FICO Risk Score, Classic.

Note, however, that FICO scores alone don’t determine a lender’s credit decisions. Lenders also look at information such as the amount of debt that you can reasonably handle given your income, your employment history and your credit history.

What can affect your FICO score? Knowing the following can help you keep your credit score (and consequently, the cost of debt and credit) within optimum ranges:• 35percentofyourFICOscoreis attributed to payment history. This is your track record for timely payments and delinquencies;• 30percentofyourFICOscore is derived from amounts owed. This is generally enhanced by having low balances on open accounts, and portrays a borrower’s ability to minimize the use of available, open credit lines;• 15percentofyourFICOscoreis the length of credit history. In general, a longer credit history will increase your credit score;• 10percentofyourFICOscoreis new credit. Numerous inquiries and multiple credit requests can lower your score temporarily.• 10percentofyourFICOscore is derived from analyzing the types of credit in use—is it a “healthy”

Loan Program Rate APR Program Notes

All pricing shown above with 1 point cost Call for 0 point financing rates!

Conforming 30 yr fixed

“High Cost Area” Conforming 30 yr fixed

Conforming 30 yr fixed, 10 yr interest only

“High Cost Area” Conforming 30 yr fixed, 10 yr interest only

Conforming 5 yr fixed ARM

Conforming FHA 30 yr fixed

Conforming FHA 5 yr ARM

Jumbo FHA 30yr fixed

Prime Jumbo 30 yr fixed

Prime Jumbo 30 yr fixed Interest Only

Prime Jumbo 5/1 ARM

4.75

5.125

5.5

6

3.625

4.875

4.75

5.125

6

7.125

5

4.8

5.27

5.72

6.24

3.91

4.99

4.87

5.39

6.24

7.129

5.27

Loan amounts up to $417,000





3.5% down loan amounts to $417K

3.5% down loan amounts to $417K

3.5% down loan amounts to $729,750

loan amounts up to $2M



Your three FICO scores affect both how much and what loan terms

lenders will offer you at any given time.


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HBC TEAM NEWS

Dawn Adams has been practicing yoga since the mid-1990s and is a graduate of the Advanced Studies Program at the Yoga Room in Berkeley. In her teaching, she hopes to instill a sense of adventure and exploration of yoga with a focus on finding balance and joy through practice. Join Dawn’s class on Monday mornings at 6 a.m.

Annabelle Teleki discovered Yoga in 1997 and has practiced many styles, including Iyengar, Ashtanga and Viniyoga. She completed her teacher training with YogaWorks in Marin. Annabelle’s teaching style includes a blend of therapeutic practices that focus on breathing with movement, intelligent alignment, compassion and mindfulness. Join Annabelle’s class on Thursday evenings at 7:45 p.m.

The Harbor Bay Club considers its most treasured amenity to be its people. We take tremendous pride in the commitment by our entire staff to ensure that the attention and care provided to our members and guests is second to none. It's the dedication to personalized customer service that makes the member and guest experience at HBC so special.

Every month HBC likes to recognize and reward an individual member of our staff whose performance stands out and represents the highest marks in professional service, attitude, appearance, punctuality & team spirit. The award includes a framed certificate, $100 club cash, lunch, celebration, special parking space and entry into a year-end grand prize. Please join us in acknowledging the following HBC team members whose exemplary performance over the past months helps us continue to set and maintain the highest levels of service in the industry.

June 2010 Associate of the MonthJess Miller - The Grill

Jess Miller was not born in Alameda, but she did grow up here. After attending Amelia Earhart, Lincoln Middle School, and Alameda High, Jess began working at the Grill at Harbor Bay Club in October 2009. She absolutely adores her co-workers. She loves seeing our members each week, and helping to make their dining experience as pleasant as possible. When not working at HBC, Jess also works at LaVal’s Pizza. In addition to a busy work schedule, she also enjoys hanging out with friends, spending time at home reading, and swimming. Jess Miller was awarded AOM for being exceptional in the areas of punctuality, customer service, professional appearance, and above all, her willingness to take initiative in the work place. She has been instrumental in the huge success of Kid’s Eat Free Tuesdays at the Clubhouse Grill.

April 2010 Associate of the MonthAnn Peace - Massage Therapist

Ann Peace has been a Certified Massage Therapist since 2001. Her certifications include Swedish, Deep Tissue, Sports, Acupressure, Pre/Post Natal, Reflexology, Shiatsu, and Massage for Diverse Populations. Ann joined the team at The Spa at Harbor Bay in August of 2008 and quickly became a popular therapist. Ann enjoys helping her clients relax and stay positive. “Joy is a natural part of my work. I feel very lucky”, says Ann. In her spare time, Ann likes to hike, read and play with her daughter. “I feel lucky that Ann found us and wanted to be a part of our massage staff”, says Paulette Staats, Spa Director.

May 2010 Associate of the MonthKaz Hashimoto- Youth Department

Ask any kid who attends Kids Club or Summer Camp at the Harbor Bay Club who their favorite counselor is, and chances are the answer will be “Kaz!” Kaz Hashimoto is loved by kids, parents and fellow staff members alike for his friendly, easy-going personality and his stellar work ethic; this is his second Associate of the Month award. Asked about his favorite aspects of working at the Club, Kaz mentioned that his coworkers have turned into his family, that he has gained skills in all sorts of sports, and that he especially appreciates “coming to work and finding out I learn more from the kids than they do from me.” An accomplished artist who designed this year’s camp shirts, Kaz spends his spare time working on his dunking skills and vanquishing grass ninjas.

New Faces in the Yoga Department at the Club

Suzanne Drolet has studied and practiced yoga since 2000. She recently completed 500 hours of yoga training with YogaWorks in San Francisco, which fuses the Ashtanga, Iyengar and Viniyoga traditions. Suzanne enjoys sharing yoga through dynamic flowing movement and stationary postures, using the breath to guide the pace and quality of the movements. Her classes are aimed at helping students develop self-awareness, strength and flexibility so that the body and mind are rejuvenated, opened, and clear. Come and join Suzanne’s class on Sundays at 9 a.m.


Harbor Bay Club Daily Classes

Monday Tuesday Wednesday Thursday Friday Saturday Sunday

Monday Tuesday Wednesday Thursday Friday Saturday Sunday

Monday Tuesday Wednesday Thursday Friday Saturday

GROUP EXERCISE

MIND/BODY

AQUATICS

CLUB CALENDAR

5:45 amGroup Cycle

9:15 amDance Boogie

10:30 amGroup Cycle

12:15 pmCardio Blast

5:30 pmGroup Cycle

6:30 pmHi/Low Aerobics

6:00 amSunrise Yoga

9:00 amYoga I & II10:45 am

Pilates Mat 1 & 212:05 pm

Stretch ‘N Tone1:00 pm

Pilates Restore Ref $6:45 pm

Pilates Private $6:45 pm

Pilates Grp Ref $

6:45 amMasters $11:30 am

Water Babies $ 12:00 pm

Water Polo $ 4:00 pm

Jr. Swim Team $

5:30 amBody Worx

8:00 amGroup Cycle

8:30 amFitness Walkers

9:00 amStep Aerobics

9:50 pmBody Worx12:15 pm

Core Control Plus6:30 pm

Group Cycle6:35 pm

Body Worx

9:00 amPilates Grp Ref $

10:00 amPilates Private $


12:05 pmGentle Stretch

5:30 pmPilates Grp Ref $

7:45 pmHatha Flow Level 1

8:00 pmAdult Karate $

8:00 amAdult Fitness $

10:30 amAqua Aerobics

4:00 pmJr. Swim Team $

5:45 amGroup Cycle

9:15 amHi/Low Aerobics

10:30 amGroup Cycle

12:15 pmZumba5:30 pm

Group Cycle

Class times subject to change. To view the current schedule of all club activities, visit www.harborbayclub.com

9:00 amYoga I & II10:45 am

Pilates Mat 1 & 212:30 pm

Pilates Private $1:30 pm

Pilates Private $


Adult Fitness $10:30 am

Aqua Aerobics11:30 am

Water Babies $12:00 pm

Water Polo $4:00 pm

Jr. Swim Team $

8:00 amAdv Step Aero bics



10:45 amGroup Cycle

12:00 pmIntro Classes:1st Sat:

Hi/Lo Aerobics2nd Sat: Group Cycle

7:45 amYoga I

9:15 amYoga II

11:00 amStretch

12:15 pmIntro Classes:3rd Sat: Yoga

4th Sat: Pilates


8:00 am Group Cycle

9:15 amKickboxing10:30 am

Body Worx & Core

9:00 amYoga 1

10:45 amPilates Basics

All classes are free to members unless otherwise noted. $ - Indicates classes that are available to both members and non-members. Fees apply.

5:45 amGroup Cycle


10:30 amGroup Cycle

12:15 pmCore Control

5:30 pmGroup Cycle

6:35 pmCardio Blast

6:00 amSunrise Yoga

9:15 amPilates Reformer $

10:30 amPilates Mat 1 & 2

11:35 amT’ai Chi Chih

4:45 pmYoga I & II8:00 pm

Adult Karate $


Water Babies $12:00 pm

Water Polo $4:00 pm

Jr. Swim Team $

5:30 amBody Worx

8:00 amGroup Cycle


9:00 amStep Aerobics

9:50 pmBody Worx12:15 pm

Body Worx5:30 pmZumba6:30 pm

Group Cycle6:35 pm

Body Worx


9:00 amPilates Adv Ref $

10:00 amPilates Grp Ref $


12:05 pmGentle Stretch

1:00 pmPilates Private $

7:45 pmYoga Flow

8:00 amAdult Fitness $


4:00 pmJr. Swim Team $

Clubhouse Grill Hours:Monday – Friday

5pm – 10pm

Daily HappyHour SpecialsHappy Hour

5-7 pm $1 off all beer, house

wines and well cocktails

Kids Eat FreeEvery Tuesday Night

(restrictions apply, ask server)

Karaoke with Frank & Gloria

Friday July 30th, 7:30-10 pmFriday August 27th,

7:30-10 pmFriday September 24th,

7:30-10pm

CLUBHOUSE GRILL


A BENEFIT FOR THE ALAMEDA ANIMAL SHELTER AND NORCAL GSPSATURDAY, JULY 24, 2010 1:00-9:00 PMWHAT: A bene� t held by Autobody Fine Art Gallery for the Alameda Animal Shelter and NorCal GSP Rescue, in partnership with Friends of the Alameda Animal Shelter (FAAS)

when: July 24, 2010 | 1-9 PM | Tickets: $20

where: Autobody Fine Art Gallery, 1517 Park Street, Alameda, CA 94501

For tickets and information, call 510.881.6974 or visit www.autobody� neart.com

presents

ALL DA

Y FES

TIVAL

Doggie Fashion Show, best f

riend photo

booth, v

endors and m

uch much m

ore

Chuck Corica Golf Course – Alameda, CABenefiting the “Boys & Girls Club of Alameda”

www.wecanbuildthis.org Non-Profit 501(c)(3) Tax ID #94-1312299

DATE: Friday, September 17, 2010

TEE TIMES: Starting at 11:00 AM.

WHERE:Alameda North & South (Your choice; most wantNorth) (Reserve early to secure your location)

SCORING: Scramble Format

WHAT’S INCLUDED:

18 holes golf with Cart; Player Gifts (includes a collaredgolf shirt) Dinner, and Silent Auction.

COST: Player - $150 donation. Dinner for

EARLY BIRD SPECIAL:

Sign up for a FOURSOME and pay by August 14th,2010 and take $25.00 off entry fee for each player.

FFO TUCDATE:

August 23rd, 2010 or your collared shirts will not be available at tourney time.

22nd Invitational Golf Tournament Friday, September 17, 2010

Great prizes for great golfers and us not so great golfers too! Fill up a foursome, or we can place you in one.

Please arrive ONE HOUR prior to your tee time to register and participate in our PUTTING CONTEST!

Call Marzolf Brothers Construction at 510.532.2344 and ask for Cheryl

For more player information:

partners is $30.


COMMUNITY EVENTS CALENDAR

To have your nonprofit event considered for inclusion in The Buzz Community Events Calendar, please send your information or a press release to: [email protected]

Upcoming Community Service Volunteer Opportunities & Fundraising Events

Event Code Key: V = Volunteer Opportunity, F = Fundraising Event, C = Community Event

C

V

V

C

C

C

C

C

C

C

C

C

C

F

F

F

F

F

F

F

July 9 “Fito Reinoso Y Su Ritmo Y Armonia” - Concerts at the Cove (West Alameda Business Association) – Crab Cove5:30 p.m. – 7:30 p.m. Come enjoy the Cuban, Timba & Salsa dance rhythms with “Fito Reinoso Y Su Ritmo Y Armonia”. Food, wine, beer & soft drinks for sale in designated area.

This year you can also support the Alameda Education Foundation at the Concerts at the Cove events by bringing your donated new school supplies for Alameda’s neediest students. Free, secure valet bicycle parking provided by Bike Alameda. For more information call (510) 523-5955 or online at www.WestAlamedaBusiness.com.

July 11 1st Annual “Best Buddies Auction” – Alameda Best Buddies – Harbor Bay Clubhouse: 200 Packet Landing Road6:00 p.m. – 9:30 p.m. Come support this terrific cause that helps connect students with Intellectual & Developmental Disabilities (IDD) at Alameda High School with other students,

creating mutually rewarding lifelong friendships while building leadership skills. This semi-formal event will include refreshments, cash bar, and silent auction items donated by local businesses. All proceeds go to Alameda Best Buddies. To RSVP and for more info contact Christina Cowan at (510) 289-557 or email [email protected]. For more info on Best Buddies, visit www.bestbuddies.org.

July 18 14th Annual Community Faire & Wine Tasting – Alameda Meals on Wheels – RockWall Wine Company1:00 p.m. – 5:00 p.m. Called “one of the best events in Alameda”, this is the biggest fund-raiser of the year for Alameda Meals on Wheels and Alameda Friendly Visitors. Join

us for an enjoyable afternoon which includes hors d’oeuvres from local restaurants, Tucker’s Zinfandel ice cream, tastings from award-winning California wineries, a silent auction of fine wines, gift baskets & vacation destinations, and swing and jazz music provided by Three O’Clock Jump. $20 donation at the door includes one raffle ticket. For more info visit www.alamedamealsonwheels.org

July 24 “Dog Days 3: Pet-A-Palooza” – Alameda Animal Shelter / NorCal GSP Rescue – Autobody Fine Art 1:00 p.m. – 9:00 p.m. This is an all-day festival and Autobody Fine Art’s third annual event to support the Alameda Animal Shelter and Northern California German Shorthaired

Pointer Rescue. With the current economic downturn, rescue groups and shelters are in need of support more than ever and these two vital community organizations shelter, foster and ultimately place unwanted or homeless animals in their “forever” home. Now you can help these groups and have a great night out! The event will also feature a silent auction of pet related items and artwork, a raffle and cocktails. General tickets are $20. For more info call (510) 881-6974 or visit: www.autobodyfineart.com.

July 24th & 25th 26th Annual Park Street “Art & Wine Faire” – Park Street Business Association10:00 a.m. – 6:00 p.m. Fun for the Whole Family! Art • Crafts • Food • Beer, Wine and Mimosas • 2 Music Stages • Kids’ Area Pony Rides • Petting Zoo • Shuttle Trolleys Rides.

Valet bicycle parking provided by Bike Alameda at Wiener Schnitzel, at 1529 Park St. For more information call (510) 523-1392 or email [email protected] .

July 28 “A Faire That Cares” – Alameda Welfare Council, Inc. – Grandview Pavillion10:30 a.m. Alameda Welfare Council’s 82nd Annual Summer Faire and Luncheon is a fun-filled event featuring themed boutiques which include a summer faire market,

jewelry, home & garden, a silent auction and raffle prizes. The luncheon buffet will start at 12 noon. An express business lunch is available. The Alameda Welfare Council is an all-volunteer organization dedicated to providing funding for local Alameda nonprofit agencies. Past recipient agencies have included Girl’s Inc. of the Island City; Alameda Boys and Girls Club; Alameda Meals on Wheels; Alameda Food Bank; Red Cross Alameda Service Center; Tri-Hi Health; Alameda Family Service; American Red Cross Holiday Baskets as well as other Alameda nonprofits. Your donation is $40 per ticket. Free parking and shuttle service is available. For tickets and information please call 510 523-6341.

Aug 13 “Casino Royale” - Concerts at the Cove (West Alameda Business Association) – Crab Cove5:30 p.m. – 7:30 p.m. Come enjoy your favorite hits from the 60’s, 70’s & 80’s with Casino Royale. Food, wine, beer & soft drinks for sale in designated area. Concerts at the Cove

have become an Alameda summer tradition, with people spreading blankets on the lawn to picnic and listen to the music and dance when the spirit moves them. This year you can also support the Alameda Education Foundation at the Concerts at the Cove events by bringing your donated new school sup-plies for Alameda’s neediest students. Free, secure valet bicycle parking provided by Bike Alameda. For more information call (510) 523-5955 or online at www.WestAlamedaBusiness.com .

Aug 27 Teacher Supply Store Open House– Alameda Education Foundation (AEF) of Alameda9:00 a.m. – 1:00 p.m. Come support Alameda’s Teachers and volunteer to assist Teachers in gathering supplies for their classroom. This open house is during the last teacher

workday before school starts. Location of the open house is at AEF’s Teacher Supply Store at the Woodstock Education Center, 1980 3rd Street. For more info visit www.alaemdaeducation.org or email [email protected].

Sept 11 Annual “Webster Street Jam” – West Alameda Business Association10:00 a.m. – 6:00 p.m. Join the fun in September for this popular community-wide event, a special weekend of music, wine, international food and art, plus a fun-filled area for theSept 12 kids. Don’t miss it. For more information, call Kathy Moehring at 523-5955 or online at: www.westalamedabusiness.com.10:00 a.m. – 5:00 p.m.

Sept 17 22nd Annual Marzolf Brothers’ Invitational Golf Tournament – Boys & Girls Club of Alameda11:00 a.m. This fun-filled and popular scramble-format tournament starts at the Chuck Corica Golf Course (your choice of South or North) at 11:00 a.m. Tournament

includes 18 holes of golf with cart, player gifts (incl. a collared golf shirt), dinner, raffle and silent auction. Fill up a foursome or we can place you in one. Proceeds benefit the Boys & Girls Club of Alameda. Tickets are $150 per player and $30 for non-golfing partners. For more information, call Marzolf Brothers Construction at 532-2344 and ask for Cheryl . For more info on the fundraising needs of the Boys & Girls Club of Alameda visit: www.wecanbuildthis.org

Sept 11 “All That Jazz-Go Silver” 25th Annual Fall Gala – Alameda Hospital Foundation – Grandview Pavilion6:30 p.m. – 11:00 p.m. The community is invited to join the Alameda Hospital Foundation us at the Grandview Pavilion on Saturday, September 11, for a unique evening of great

food, dancing, and The Grand Casino. Special recognition of Alice Challen, M.D., the 2010 recipient of the Kate Creedon Award, will be a highlight of the evening. The event will begin a 6:30 and is black tie optional. Tickets are $175 per person and can be purchased on-line at www.ahfgift.org or contact Dennis Eloe at (510) 814-4600.

Sept 25, 2010 Inaugural Fall Concert Series Kick-Off – Alameda Library Friends and Foundation – Alameda Library7:30 p.m. Join Alameda Library Friends and Foundation in celebrating its 2nd season of “Live@theLibrary 2010” with the Alameda All Stars (Terrence Brewer, Kelly

Park, Jane Erwin Hammett & more), the first of three benefit concerts for the Alameda Free Library. Tickets go on sale the first week of August at the Main Library Café, Books Inc. and at www.brownpapertickets.com. Volunteers are needed now to help with planning and concert evenings. For more info call Luzanne Engh at 521-2094 or email [email protected].

200 Packet Landing Rd.,Alameda

510-521-5414 www.harborbayclub.com

The Bay Area's Premier Health Club & Spa

Summer ExtravaganzaJoin Us for a Summer of Fun & Fitness

Blowout Summer Membership Specialo Join for only $99 and receive: - free personal �tness assessment - free personal training sessiono O�er good through August 31st

Member Anniversary Partyo July 29th 11:00 am – 7:00 pmo Great food from local vendorso Wine & Beer Tasting / Live DJo Fun & Games, Kids Carnivalo Members and �rst 2 guests FREEo Ra�e bene�tting local charitieso Please RSVP by July 14th

End of Summer Open House Basho August 31st 4:00 pm – 7:00 pmo FREE - OPEN TO THE PUBLICo Hors d’oeuvres from local vendorso Wine & Beer Tastingo free chair massages & spa surpriseso Ra�e bene�tting local charitieso GRAND PRIZE - One-Year Membership

Special Summer Events

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