Posts Tagged ‘Santa Clarita’

Union Bank: Interview with Oscar Dominguez, VP and Manager (part 2)

April 5, 2010
  1. Please retweetWhat is the niche that makes you stand out above everybody else?
    What makes Union Bank stand out is our approach to individual, family, and small business services.  While other banks offer traditional products like checking or savings, Union Bank distinguishes itself from the competition by offering programs unique to the market we share.  For example, Union Bank has catered to the senior community by creating a financial watch program dedicated to them.  It’s not exactly a banking product, but it creates awareness and assists the senior community in protecting themselves from fraud and from being taken advantaged of financially.  We have also created for the young people in the community a unique banking program that educates them in how to be smart about banking and managing their finances.
  2. What products and/or services do you offer?
    Union Bank is a commercial bank, dedicated to offering minority-owned and small business loans; lines of credit to support cashflow, credit card services, and online services such as wire transfer to help speed up cashflow to grow in a global market.  With these services, we can help small, medium, and large businesses reach their business goals.
  3. What kind of promotions do you have?
    We are always on the lookout for promotions that our customers would find attractive.  For example, we know that the interest rate market have been low, so we have been offering interest rates that look good on long-term savings such as the FDIC-insured certificate of deposit (CD), which ensures that people will have a good return on their money.  Union Bank is also offering the “Company Benefits Program”, where the bank reaches out to the local business owners in the community and offers a $50 incentive to them if their employees open an account with the bank.  We also offer a free credit card service, so if a business is looking to expand and reach out to more customers, we offer credit card services online.  We offer promotions during certain times of the year so that individuals maximize their return, employees of businesses can receive free banking services, and businesses can increase their customer base to the next level with the credit card services.
  4. What do you like about working in the Santa Clarita Valley?
    Because Union Bank is dedicated to serving the community, I think that Santa Clarita has allowed me and Union Bank to really take charge of what our mission statement is: to support the community that we serve and be an active member of the community on a corporate and local level.  Being a local resident helps me understand the community I live in not only as a resident but also as a professional in the community, which has helped me understand what role I can play as a company in Santa Clarita to help contribute to the success of our business, organizations, our youth, our senior centers and community, and having the community recognize us as a local, community bank.
  5. In terms of your business, what are you looking forward to in the coming year?
    One of the critical roles in the coming year is to help continue supporting our small business community and support the growth that is needed to help them achieve what they need as an organization.  I believe that, coming into the New Year, it would be valuable that we inform, reeducate and retrain those that take active roles years as leaders or business owners in the community.

    (to be continued…)

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Francis M. Unson

Union Bank: Interview with Oscar Dominguez, VP and Manager (part 1)

April 5, 2010
  1. Please retweetWhat is your name?
    Oscar Dominguez, Vice President and Manager of Union Bank
  2. What is the name of your bank?
    Union Bank
  3. What year did you start working in the banking business?
    I’ve been with Union Bank for seven years and in the banking industry for 25 years.
  4. How did you go about getting started in the business?
    I started in the banking business because I enjoy being around people and talking to people on a continual basis.  When I was an undergrad in college, I had the opportunity to join a bank working part-time, and so the passion of being able to talk to people was something I always enjoyed personally.  I wanted people to understand that working in the banking industry allowed me the opportunity to help them with their finances, give suggestions, recommendations, and guide them on what they could do in the future to achieve their financial goals.  The main factor of being a banker is to teach people how they can manage and accomplish their financial goals as an individual, family, or a company or organization.  So for me, that is my passion and the fulfillment that I’ve received being a banker for so many years.

    (to be continued…)

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Francis M. Unson

Union Bank

April 5, 2010

Oscar Dominguez, vice president and manager of Union Bank, has been in the banking industry for 25 years and goes out of his way to understand the financial needs of an individual, couple, or family, as well as the growth-oriented needs of business owners and small businesses.I had written a number of articles concerning financial planning, reducing medical costs, and ways to stretch your dollar.  Despite news of economic recovery and an increasing employment index, particularly in the United States, the economy still has a long way to go.  We cannot become complacent about the small gains, by no means an indicator that the economy has fully recovered, and we must continue exercising due diligence with our finances during these difficult times.

Oscar Dominguez, vice president and manager of Union Bank, has been in the banking industry for 25 years and goes out of his way to understand the financial needs of an individual, couple, or family, as well as the growth-oriented needs of business owners and small businesses.

Oscar Dominguez, VP and Manager of Union Bank

Union Bank of Newhall, CA, has taken great strides towards helping its customers throughout the Santa Clarita Valley.  Oscar Dominguez, vice president and manager of Union Bank, has been in the banking industry for 25 years and understands that personal finance is a mystery for many people.  He goes out of his way to understand the financial needs of an individual, couple, or family.  He also focuses on the growth-oriented needs of business owners and small businesses.  Working closely with the community, Oscar and Union Bank not only creates opportunities for customers to make a great return on investment (ROI) by offering FDIC-insured certificates of deposit (CD), but also community outreach programs directed towards children and seniors.  If you, your family, or your business have financial goals you wish to achieve, give Oscar Dominguez a call.  All financial goals begin with a plan, and he would be more than happy to work with you towards mapping one out.

Oscar Dominguez, vice president and manager of Union Bank, has been in the banking industry for 25 years and goes out of his way to understand the financial needs of an individual, couple, or family, as well as the growth-oriented needs of business owners and small businesses.

Oscar Dominguez, VP and Manager of Union Bank
Valencia Bank and Trust
Stevenson Ranch Office
23620 Lyons Ave.
Newhall, CA 91321

Ph. 661.287.6380
Ph. 661.253.5753
oscar.dominguez [AT] unionbank [DOT] com

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Francis M. Unson

Summer Vacation (and other breaks)

March 29, 2010

While Winter Break and Spring Break were opportunities to get away for a few days or have a stay-cation, Summer Vacation was a time to learn.From childhood until our teen years, school was one of the constants in our lives.  Our parents or guardians would enroll us in kindergarten and we would begin school in August or September.  In some parts of the United States (but not here in California), Fall Break may be observed in October.  Of course, Winter Break was always observed during the second half of December.  Spring Break would start in March or April.  The school year would end in May or June, beginning a Summer vacation that lasted two or three months.  By August or September, we found ourselves one grade higher than the year before.  The cycle repeated for the next 12 years of our young lives.

Winter Break was a time for families to get together and lasted at least two weeks.  Fall and Spring Breaks were chances for a few days to get away or have a stay-cation and may last a week or two.  Families made the most of these relatively short breaks.  Summer vacation, however, was quite longer and, as such, parents could not spend the whole time with their kids.  After all, they have bills to pay, a concept most kids are oblivious to, such as mortgage, insurance, and car payments.  They must also be able to fund the vacation they may eventually take.  However, a summer vacation to a faraway location may not be feasible for a year or two, or more.  What, then, could parents do to ease the boredom of their kids during the summer?

Fortunately, Santa Clarita’s Parks, Recreation and Community Services Department came to the rescue.  From what I can remember during my childhood, my parents made sure that I took part in one activity per summer, sometimes more.  The offerings were somewhat more limited during the rest of the year, and others were even seasonal, but during the summer, I was spoiled for choice.  Therefore, at one point or another, I ended up taking up swimming, Kali (Filipino stick fighting), and a CPR class.  I believe there were other classes, but they escape me at the moment.

When I look back, I’m glad I had taken those classes.  I had my video game systems, of course, but even I grew tired of them.  My parents made sure that, despite Summer Vacation, I was still learning something new.

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Francis M. Unson

Why I love Kogi BBQ

March 15, 2010

While Kogi BBQ of Southern California is a social media marketing darling, the real reason I love Kogi BBQ is simple: the FOOD!On a rainy Friday in February 2010, I received word on Twitter about the arrival of Kogi BBQ, a fleet of taco trucks that serves Korean Mexican food throughout Southern California, in my community of Santa Clarita.  I was glad I kept up with Kogi’s Tweets; Azul (one of the four primary taco trucks named after a Spanish color, with one on standby) was arriving an hour early.  I was done with the day’s work, so I made my way to the car wash across the street from Westfield Valencia and arrived at 8:15PM.  I did not see a line of people, but I wasn’t surprised; it was raining all day that day and had just started to clear up in the evening.  Needless to say, it was freezing outside.  Furthermore, Kogi’s early arrival was not Tweeted until about 6PM, so that probably threw off peoples’ plans.  Nonetheless, I braved the cold weather and, upon Kogi’s arrival, was rewarded by being served first.

Why do I love Kogi BBQ?  Being served first helped slightly.  Kogi’s successful (read: enviable) social media marketing plan certainly caught my eye, which was recently copied in some form by JetBlue in New York City to distribute about a thousand free round-trip tickets as part of its 10th anniversary celebration.  However, the reason why I love Kogi BBQ is very simple: the FOOD!

Simply, you haven’t had Kogi BBQ until you’ve had short rib, spicy pork, chicken, or tofu, wrapped in a soft taco or burrito flour tortilla.  If you want a real taste of Korean, you must try the Kogi Kimchi Quesadilla, a Kogi Favorite.  Furthermore, if you ever needed a reason to come early, the Chef’s Specials such as Calamari Tacos and desserts like Tres Leches always sell out.  Don’t say I didn’t warn you!

Kogi BBQ’s fleet of taco trucks roam Southern California from Tuesday-Saturday.  Go to their website and find out when Kogi will be serving up Korean Mexican food at the parking lot of a shopping center, hotel, or car wash near you.

Finally, if you live in or near Culver City, California, drop by the Alibi Room from 6PM – midnight, Monday-Saturday for your Kogi fix (21+).

Kogi BBQhttp://www.kogibbq.com/

Follow them on Twitter! @KogiBBQ

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Francis M. Unson

Homeopathics Explained

March 15, 2010

Eva Clarke, owner of "Health is a Choice" in Santa Clarita, CA, provides homeopathic remedies.I will be honest: I have never tried homeopathic remedies for what has ailed me in the past, be it a seasonal cold or allergy, a headache, or stomach ache.  However, Eva Clarke, owner of “Health is a Choice”, could provide myself and others with different homeopathic remedies for a wide range of ailments or illnesses that may have longer-lasting relief in the long run than conventional, over-the-counter medication, and with fewer side effects.

Please retweetHomeopathic remedies, it turns out, are a system of medicine based on at least three principles:

  • Like cures like – For example, symptoms of a cold that mimic mercury poisoning would call for mercury as the homeopathic remedy.  In other words, a disease that can be cured by a substance produces similar symptoms in healthy people.
  • Minimal dosage – People would consume the remedy in extremely dilute form, usually one part of the remedy to one billionth or one trillionth part water.
  • The single remedy – Only one remedy is taken, the number of symptoms notwithstanding, with the goal that the remedy takes care of all the symptoms.

Additional principles of homeopathy can be found here.

The general goal of homeopathics is to recognize, through the unique expression of symptoms of a patient, the pattern of disturbed energy and identify among the  large number of remedies available the most homeopathic, or most similar to, the patient’s disease.

Why should you turn to homeopathics?  In most parts of the world, homeopathics has been around for hundreds or even thousands of years, such as Mainland China, and its growth in the United States has been significant throughout the last decade.  Several factors has contributed to its success in the U.S.:

  • Its effectiveness, especially when the correct remedy is taken.
  • It is safe, even for babies and pregnant women, and can be taken with other medication.
  • It is natural, with homeopathic remedies based on natural ingredients.
  • It works in harmony with your immune system as opposed to suppressing it.
  • Homeopathic remedies are not addictive.
  • Homeopathy is holistic and deals with the symptoms as a whole.

I have barely scratched the surface of homeopathics, but Eva can take you down a much deeper and eye-opening path towards a remedy that can work for you.  Her company, “Health is a Choice”, provides you with the extra fork in the road you never knew was there.  If your second or third opinion sound too similar to the first, give Eva a call.  You do have other choices about your health.

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Francis M. Unson

Short Sales: How they’re done and why

March 11, 2010

What short sales are, how they are done, and whyIf there are any services that Chris Gabledon, realtor for EXIT Realty SCV, can do well, processing a short sale is at the top of the list.

No doubt, since the economy began tumbling in the last quarter of 2007, much of the news we heard about the realty market shifted from the rise in property values and property-flipping by liquid investors to the alarming number of mortgages that have gone “under water”.  Highlighted in Michael Moore’s 2009 documentary, “Capitalism: A Love Story“, were the foreclosures and evictions of families from their long-time homes.  Some families, however, managed to escape foreclosure by undergoing a short sale.

What is a short sale, anyway?  According to Wikipedia:

A short sale is a sale of real estate in which the sale proceeds fall short of the balance owed on the property’s loan.  It often occurs when a borrower cannot pay the mortgage loan on their property, but the lender decides that selling the property at a moderate loss is better than pressing the borrower.   Both parties consent to the short sale process, because it allows them to avoid foreclosure, which involves hefty fees for the bank and poorer credit report outcomes for the borrowers.  This agreement, however, does not necessarily release the borrower from the obligation to pay the remaining balance of the loan, known as the deficiency.

If the definition had some “lawyerese”, here are the highlights:

  • Mortgage to date + proceeds from sale < balance owed on property’s loan
  • Selling the property at a loss is better than nothing
  • Avoids foreclosure, large fees for the bank, and poorer credit scores for the borrowers
  • Borrowers may still have an obligation to pay the loan

If you find that conducting a short sale is in your best interests, this is how it’s done.  Using the services of a realtor may ease the process:

  1. Verify the value of your property.
  2. Add up all the costs of selling the property.
  3. Determine the amount owed against the property.
  4. Subtract the total amount owing against the property from the estimated proceeds from the sale.
  5. Contact the lender or lenders.
  6. Ask the lender what its procedures are for a short sale.
  7. Sell the property.

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Francis M. Unson

“Health is a Choice”: Interview with Eva Clarke, Owner (Part 3)

February 19, 2010
  1. Please retweetAre you looking to hire in the coming year?
    Yes, hiring is always a possibility as “Health is a Choice” expands.
  2. What have you done to go the extra mile for your client?  Please explain.
    Customers are at the heart of my business.  If they don’t get results, I don’t get results.  Time is such a valuable gift and I really listen to the needs of my clients.  Most of them have been searching for a long time for a healthier lifestyle, so I meet with each client individually to establish a personalized program that best reaches their goals.

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Francis M. Unson

“Health is a Choice”: Interview with Eva Clarke, Owner (Part 2)

February 19, 2010
  1. Please retweetWhat is the niche that makes you stand out above everybody else?
    The niche of “Health is a Choice” is personal service with a strong desire to help educate and guide people with their health goals so they can enjoy the most rewarding life.  The products and services that I offer vary because I focus on the individual.
  2. What products and/or services do you offer?
    Personal services ranging from nutritional counseling diet and/or supplement.  A comprehensive QRA exam, which helps identify key organs and gland points on the body to help address core problems.  Detoxification therapies such as mud packing to clear energetic meridian clearance.  I offer vitamins and herbs tested with the highest quality in mind.  Homeopathics, Iridology (iris reading for whole body health), and Vastu (Electromagnetic field remediation).
  3. What kind of promotions do you have?
    Promotions include 10% off products for first-time clients.  Refer a friend and receive an additional 10% on your next order.
  4. What do you like about working in the Santa Clarita Valley?
    I like working in the Santa Clarita Valley because the people are so friendly and I think that, with the services I offer, I would be able to help the community to a healthier and joyful lifestyle.
  5. In terms of your business, what are you looking forward to in the coming year?
    I look forward to meeting new people and making a difference in the community.

    (to be continued…)

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Francis M. Unson

“Health is a Choice”: Interview with Eva Clarke, Owner (Part 1)

February 19, 2010
  1. Please retweetWhat is your name?
    Eva Clarke
  2. What is the name of your business?
    Health is a Choice
  3. What year did you establish your business?
    1987
  4. How did you go about getting your business started?
    About 22 years ago, I was diagnosed with Epstein Barr, or chronic fatigue.  After searching for relief from the symptoms of low-grade fevers, aches, strange pains, and flu-like symptoms for over three years, I started to look for answers.  My search led me to Judy’s door.  Judy was such a relief to talk to because I could walk away with information and products that would soon make a difference.  Herbs have never been new to me as my grandmother had introduced them to me as a child.  As a young, healthy woman, I have never found the need to use them except for maybe menstrual cramps or an occasional upset stomach.  With the help of Judy and my research, I soon started to see and feel the difference.  I took what I had learned about the intestinal tract, or colon, and went a step further.  I knew that most, if not, all of the problems we experience start in this area, so I found the best colon therapist around and made around a hundred appointments with the therapist.  For anyone that does not know how this procedure works, it may feel a little bit embarrassing at first, but I guarantee you, it will be the most important date you will ever make.  Needless to say, I was cured, and I have been symptom-free for the last 22 years. That’s when I decided to open my company, “Health is a Choice”, and that’s how the business was started.

    (to be continued…)

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Francis M. Unson