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Letter: What free speech zone? (Opinion)

The more I think about last Saturday’s protests for and against Black Lives Matter, the more furious I am about Sheriff Dan Coverley’s bogus promise to establish a “free speech zone.”

As we all know, a handful of Black Lives Matter supporters was harangued and continually pushed from one spot to another by the pro-Sheriff mobs. A couple of BLM people were assaulted — there’s video — and complaints have been filed.

A true “free speech zone” would entail a cordoned off area for each side, enforced by deputies.  Sheriff Coverley had nothing like that. Nor did his deputies do much of anything when hordes of gun-toting conservatives surrounded the tiny cluster of Black Lives Matter supporters, regardless of where they went.

The one person who really did defend free speech was a conservative, a veteran dressed in camouflage and carrying a gun, who had lost a leg in the military. He jumped in to stop a bully who attacked a BLM supporter and then loudly told his own side that he hadn’t come to Minden to stomp on people’s right to speak.

I really appreciate that guy, and I wish I had asked his name. He was a welcome relief from the mob hatred that dominated the place. 

There was the Corey Lequieu, who was sentenced to 30 months in federal prison for his role in Ammon Bundy’s 41-day armed takeover of a wildlife refuge in Oregon. Lequeiu ranted to me about you “sick f***ks” who want to “loot and burn and murder.” Nice. Then there was the guy who told me that the whole problem was “education.” Oh yeah, now I remember: If God had wanted us to read, he would have given us an education.

The whole scene was crazy. As many as 800 loudmouths, many brandishing their AR-15s, chasing down at most 50 unarmed and non-violent supporters of Black Live Matters. Is this what we’ve come to?

I’m a devout supporter of free speech, even when people say really stupid stuff. That’s what this country is all about.

But I am disgusted by Sheriff Coverley’s phony pretentions. The sheriff is highly indignant that some people might not “trust” the Sheriff’s Office. After what I saw last Saturday, I wouldn’t trust the sheriff either — and I voted for him in 2018.  

Edmund L. Andrews, a former reporter for the New York Times, has lived in Zephyr Cove since 2012.

Who should pay for pandemic impacts? (Opinion)

The COVID-19 pandemic and the severe economic recession it induced are disasters unparalleled in recent generations and it will take years to fully recover from their human and financial tolls.

Already, however, they are spawning legal and political conflicts, over whom, if anyone, should be accountable for their impacts.

There is, for instance, a flurry of lawsuits — so many that there’s even a special website devoted to cataloging who’s suing and being sued. Cruise lines whose passengers became ill are obvious targets, but legal claims also include employers alleged to have provided insufficient coronavirus protections to their workers, entertainment venues and airlines that failed to provide refunds to their patrons for cancelled services, and countless other conflicts.

The prospect of endless litigation, in turn, is generating new political fights over whether limits should be placed on civil liability during the pandemic/recession crisis.

In California, it’s renewed the perpetual conflict over liability — known colloquially as “tort wars” — pitting business, employer and insurance interests against lawyers who specialize in personal injury suits.

The Civil Justice Association of California, a business coalition, fired a preemptive strike recently in a letter to Gov. Gavin Newsom, citing an “imminent threat of litigation.” It asks for an executive order and legislation to immunize “all private entities and their workers providing critical services, goods, and facilities during the COVID-19 state of emergency.”

“During this time of economic uncertainty, California needs businesses — large and small — to continue to operate, produce, and employ,” the letter added.

A subset of California’s perennial tort wars is the conflict over workers’ compensation, the multi-billion-dollar program of compensating workers for job-related illnesses and injuries. Roughly the same interests that duel over liability also spar over the rules governing workers’ compensation’s eligibility and benefits.

Labor unions are pressing Newsom for an executive order that would establish a legal presumption that “essential workers” who fall ill would be eligible for benefits without having to prove that they contracted the virus on the job.

“Workers on the frontlines of the COVID-19 pandemic put their lives at risk just doing their jobs,” Art Pulaski, head of the California Labor Federation, told Newsom in a letter last month. “If they are infected with COVID-19, the workers’ compensation system must quickly provide medical and indemnity benefits — such workers should not have to fight denials and delays while fighting for their lives.”

Pulaski and other union leaders sought the order after Newsom decreed that employees may be eligible for workers’ compensation benefits if they were exposed to or contracted COVID-19 at work.

Employers are resisting such an order, citing a study by the Workers Compensation Insurance Rating Bureau that it would raise costs to employers between $2.2 billion and $33.6 billion per year with a mid-range estimate of $11.2 billion, or a 61% increase. The study was requested by the Assembly Insurance Committee.

California employers already pay the nation’s second highest premiums for workers’ compensation insurance and are trying to head off an order that, they believe, Newsom is on the verge of issuing.

“Many businesses and their owners are casualties of the necessary economic shutdown,” wrote California Chamber of Commerce President Allan Zaremberg told Newsom in a letter. “They cannot be expected to shoulder a new employer-financed social safety net, with expensive new mandates, at precisely the moment when small businesses are shuttering, employee hours are cut, and uncertainty about the future is the new normal.”

While it’s said that the pandemic “changes everything,” some things never change and that includes these two never-ending sagas.

Dan Walters is a Cal Matters contributor and has been a journalist for nearly 60 years, spending all but a few of those years working for California newspapers.

Quarantine and a free society (Opinion)

Quarantine is the forced confinement of a person who has contracted or been exposed to an infectious disease. Although it is a long-standing police power of governments, it is seldom used because sick people generally stay home on their own.

When it must be used, it is subject to due process: the right to contest the order in court, to present evidence that the order is invalid, and to have it vacated.

What is happening today is radically different and profoundly un-American: the indefinite and indiscriminate home detention without due process of perfectly healthy people on the pretext that they might catch a contagious disease.

While it is true that some people may be infectious without knowing it, that’s no different than a wide variety of other contagious diseases that have been with us for generations and that are far more lethal than COVID-19.

Although some local jurisdictions prohibited large public gatherings during the Spanish Flu epidemic of 1918, never before has any American government attempted to confine an entire population in its homes, order the mass shuttering of businesses, and deliberately plunge tens of millions of Americans into unemployment, poverty and despair.

This new power, asserted in increasingly arbitrary and aggressive manners by public servants-turned-masters, is antithetical to our First Amendment right to peaceably assemble and our Fifth Amendment right to not be deprived of life, liberty or property without due process of law. The courts recognize some restrictions of these rights, but only by “the least restrictive means,” not arbitrary and unreasonable edicts.

In California, this abusive power has been used to deny citizens the right to protest the abuse itself.

In North Carolina, the Raleigh Police Department declared, “Protesting is a non-essential activity.” In Pennsylvania, police fined a woman $200 for taking a solitary drive in her own car. A San Diego woman is threatened with a $1,000 fine and jail-time for promoting a protest on Facebook.

Ironically, while law-abiding citizens are arrested for exercising rights guaranteed under their Bill of Rights, authorities are releasing thousands of criminals from prisons and in California, forbidding sheriffs from holding a wide class of criminal suspects, including burglars.

The greatest threat of this newly asserted power is to fundamentally alter the relationship between Americans and their government.

It is the age-old question that Cecil B. DeMille framed in his introduction to “The Ten Commandments,” “Are men the property of the state, or are they free souls under God?”

Every time we step outside our homes, the risks we face multiply. A free society assumes that its citizens are competent to assess those risks, balance them against the avoidance costs, and to manage their decisions in a generally responsible way.

It’s called common sense, and is a necessary prerequisite for self-government and liberty.

When a risk presents itself, people naturally change their behavior. If they believe the risk of leaving their houses is too great, they are free to stay at home. If they believe venturing beyond their front doors is a manageable risk, they are free to venture into the world, taking those precautions that to them seem most prudent.

In an epidemic, their assessments of risk might convince them to avoid crowded theaters or restaurants, wash their hands more frequently, avoid handshakes, wear masks or become hermits. These acts don’t require force and don’t make demands on others. They are a matter of individual judgment and choice.

The choice of an octogenarian with emphysema in New York City might be very different from a healthy college student in Iowa. Only a fool would claim the omniscience to make an informed judgment for every person in every circumstance in every community.

Sadly, the crisis has revealed that fools abound in public office and that a fool with power can quickly become a petty tyrant.

In this pandemic, many elected officials have abandoned the practices of a free society and crossed some very bright lines that separate free Americans from those unfortunate to live under authoritarian regimes.

Communist China pioneered the practices now inflicted on our own citizens. That should scream a warning to us all.

Congressman McClintock represents California’s 4th Congressional District.

Our choice — A 3rd quarter rebound or a lost decade (Opinion)

The anguish in people’s voices as they call our office every day is heart-breaking. Many are wondering how they can pay their bills, whether their job will still exist in a week, whether their retirement savings have been decimated or whether they’ll lose the shop they’ve spent their lifetimes and life savings to build.

Immediate financial relief is of paramount importance to staunch the damage done to the millions of American workers and businesses pushed to insolvency by forced closures and a panic that has emptied grocery shelves across the country. How that relief is extended will determine whether we save or destroy what just one month ago was one of the most promising economic expansions in our nation’s history.

Businesses must have immediate access to capital to keep their assets intact and their employees’ jobs preserved.

The answer that has worked for centuries is to make capital easily available through low-cost, emergency loans so businesses can stay intact. The Federal Reserve is doing that by throwing open the discount window and Congress needs to guarantee emergency loans to all businesses to stay afloat until the crisis passes.

For struggling families a payroll tax holiday could quickly boost incomes through the end of the year, maximizing the incentive for businesses to reopen and individuals to return to work. This would put far more cash in workers’ pockets than $1,000 checks, allowing them to recover the losses they are now suffering.

The $800 billion cost of such a stimulus does not need to be added to the nation’s staggering debt — and future taxes — if individuals are given the choice to forego paying the taxes now in exchange for delaying their retirement date by a few months.

By these means — ample emergency loans and deficit-neutral payroll tax relief — businesses can survive, workers can recoup lost income and the nation can get quickly back to work.

These measures would provide immediate relief while preserving what should be a strong third quarter rebound. Yet, making bad choices now threatens to deepen the crisis and prolong our distress.

Limiting the economic damage requires a rapid return to normalcy. The February job numbers tell us that the American economy is fundamentally sound and poised to restore our losses — provided we can get Americans back to work as quickly as possible.

Yet rushed legislation recently adopted by Congress moves in the opposite direction: guaranteeing paid leave for up to three months and extending unemployment benefits to a full year.

Some propose to spend trillions of dollars more, which will crowd out capital needed for expansion and cost us the future. The same policies failed miserably during the 2008 mortgage crisis. Cash grants under Bush and a trillion dollars of stimulus spending under Obama did little to stimulate the economy. Enhanced and extended benefits delayed many from returning to work. The sum total of these blunders turned the recession of 2008 into a decade of lost economic growth and stagnant wages.

Have we learned nothing?

Families and businesses are hurting and need immediate help in the present while preserving our future.

How Congress reacts to this crisis will have long-lasting implications to the future prosperity of our country and determine whether Americans can bounce back in coming days, or whether we are hobbled for a decade to come. Sound policies and sober legislation can get everyone through this crisis without forsaking what should be a historic recovery for our nation.

Congressman Tom McClintock represents California’s 4th Congressional District.

Is the starter home dead at South Lake Tahoe? (Opinion)

Much has been made of the lack of housing inventory recently. This is something that has been documented in virtually every housing market in the developed world, not just the U.S., California or Lake Tahoe.

There has also been much written on the two markets that appear to be the primary focus of new construction these days; either pricey homes for wealthy individuals or affordable housing with government subsidies. To oversimplify it, there is construction for the rich or the poor, and the “missing middle” continues to be left out of the mix.

But as they say, all real estate is local. As of early October, there are 56 homes, townhomes and condos listed for under $400,000 in the South Lake Tahoe area. Twenty-three of which are $350,000 or less and some of those are three or even four-bedroom homes. Why are people not buying these homes?

Do these homes have granite countertops? Probably not. Stainless steel appliances? Doubtful. Do they have 2,600 square feet (the average square footage of a new home built in the U.S. today)? Nope. But most of these homes appear to be quite livable with only some degree of fixing up.

When I ask my parents or my in-laws, about what their first home was like they laugh out loud. They share stories of planting trees and flowers because there literally wasn’t anything planted when they bought it. Painting each room one by one because they couldn’t afford a painter to do the house before they moved in. Using the fireplace for an entire winter because the furnace went out. Not only were they not afraid of a fixer-upper starter home, that was the basic expectation back then.

While I’m not suggesting by any means that our local housing inventory is sufficient or in top shape (because it isn’t), I do believe that we have existing inventory that can meet the needs of some in our community that want to buy a home, but think they can’t afford one.

Now is a great time to explore your options if you are in a high-rent apartment or have had to move recently due to your rental being sold. Sometimes a mortgage is not much more than the high rents being charged now, and you won’t have to worry about your landlord kicking you out. But how do you find a good starter home?

The key is to ask for help. Most of us have a friend that’s a realtor, it’s Tahoe after all. Have you asked them lately about what’s available within your budget? Do you even know what your budget is? If not, consider talking to your bank about what you might qualify for.

There’s arguably nothing more important to comparison shop for than a mortgage so ask a local mortgage broker too. A mortgage broker can also help you find lending options for duplexes and multiplexes, which will bring in extra income.If the house will need substantial work to get it in good condition, make sure you talk to your broker about that and take it into consideration with your financing.

Also, if you are purchasing a condo, you will need to consider the Home Owners Association (HOA) fees, which vary but are generally around $300 monthly – in addition to your mortgage, insurance and tax cost. Lastly, even if traditional lenders say you don’t qualify, some sellers may be willing to finance the home as well.

Once you know what your budget is, and you found a realtor to show you some properties, make sure your expectations are fair. Instead of comparing homes to your friends or family members that have owned for many years and perhaps trading up over the years, try comparing them to your last rental property instead. Does it need paint? That’s not that hard. Is it missing any semblance of a yard? Who lives in Tahoe and doesn’t like getting dirty?

Without question our community needs more affordable housing, long term rentals, and improved housing options, not to mention creative solutions like access to in-law units.

The Tahoe Prosperity Center and many local partners are working diligently on these ideas, but changes will take time, so while we wait for progress on these fronts don’t be afraid to learn what options are out there now. You might be surprised. And I would love to see more local residents as local homeowners here on the South Shore.

Chase Janvrin is the Program Manager for the Tahoe Prosperity Center and oversees the Housing Tahoe Partnership project. He has a background in real estate and finance and lives in South Lake Tahoe with his family.

District 4 candidate Brynne Kennedy: Drain the power system swamp (Opinion)

PG&E has spent more than $83 million on political campaigns over the last 26 years according to FollowTheMoney.org — not including contributions from individual company executives.

It has given generously to politicians in both parties, including tens of thousands of dollars to incumbent Congressman Tom McClintock.

And in the last 16 years, it’s spent an additional $35 million on lobbying, growing from just nine lobbyists to an army of 35.

This same period has seen rolling blackouts, the San Bruno pipeline explosion, six felony convictions, Santa Rosa, Paradise, constant rate hikes, over 100 fatalities, bankruptcy, days long power shutoffs and now Kincaide.

All the while, the company has spent millions more on public relations, executive bonuses and shareholder dividends — and has not had a federal income tax bill in 10 years.

Yet PG&E’s own internal documents acknowledge that arguably the most important part of its business, Northern California’s power grid and distribution system, has effectively outlived its design life and its components now average 68 years old.

Sixty eight years ago, California had just 11 million people. Today, it must safely and reliably deliver power to 40 million. While changes in our climate and federal and state wildland management policies have no doubt exacerbated wildfire risks, there’s little doubt that a more modern and resilient energy infrastructure is vital to combat these threats.

To be fair, PG&E is hardly the first business accused of prioritizing short term shareholder gain over the long term needs of customers. But in the heavily regulated utility business, they needed help from politicians. It appears they’ve gotten what they paid for.

The decades long failure to properly maintain and modernize our power delivery system has spanned Republican and Democratic administrations alike.

As California continues to grow, the consequence of this inaction is only becoming more costly. And with housing demands extending new development further outside major cities, a 70-year old power infrastructure that risks sparking a blaze every time the wind blows is rendering entire neighborhoods uninsurable.

To solve a problem this many years in the making, there are no silver bullets. We need land use reforms to mitigate risks and encourage more aggressive forest management. We need tax incentives that encourage more business investment in modern energy infrastructure, and to help homeowners manage vegetation, harden homes and better access to alternative power technologies. And we must reform the insurance industry to create more market options, promote best practices for homeowners and ensure companies are honoring their promises to policy holders.

This won’t happen overnight. But the work must begin now.

We also need to have an honest conversation about the future of California’s power distribution system. Not just about whether our investor-owned utilities are too big to fail, but whether they are too far behind to catch up.

Some believe governments and utilities must come together on a “Marshall plan” to modernize our electrical infrastructure, dramatically expand micro grids and invest in other emerging technologies. Still others believe that cities, regional collaboratives and private entities should introduce the kind of competition that can produce better management outcomes and new innovations in the utility marketplace. All options should be on the table.

With difficult work and important decisions ahead, we need to be mindful of not only the goals of more resilient and cost-effective power distribution—but the failures that got us here. We need our leaders to get past looking only to PG&E for answers, or being beholden to them for campaign contributions.

Californians are losing their lives and homes. Millions more are being displaced, or have had their neighborhoods, businesses, and life-saving medical equipment rendered powerless. With each passing day, the costs of fixing the inadequate infrastructure at the heart of the matter only grow.

This is a crisis for our community and our state. It is not a time for partisanship or hollow outrage that kicks the can down the road. Instead, this must be a time of substantive action and real accountability both for our electricity providers and elected officials at every level of government.

Roseville’s Brynne Kennedy is a businesswoman and candidate for Congress in California’s 4th District. Learn more at www.brynneforcongress.com.

Communication is important between buyers and sellers (Opinion)

A real estate transaction is a constant flow of information and communication between a buyer and seller.

It is up to the agents, escrow officers, loan officers, inspectors, attorneys and others involved to be in constant contact regarding the progress of the transaction. From time to time, somewhere during the course of a transaction someone will forget to pass a message along. Or an agent will become distracted with the constant juggling of our ever-growing to-do lists and will drop the ball on delivering an update.

Communication begins with the buyers and the sellers understanding what each person in the transaction wants or needs, and the primary form in which they wish to communicate. Phone calls, e-mails, text messages, video chats and in-person meetings all have their place in the sales process.

It’s a good idea to discuss with each buyer and seller how they prefer to communicate so the transaction can flow smoothly.

Over 90% of all buyers do research on the Internet prior to contacting an agent. Once a buyer or a seller has contacted an agent they feel is a good match based on their research, it is important that buyers and sellers clearly communicate their goals and motivations for wanting to purchase or sell a home.

As real estate professionals, it is important that we ask lots of questions to understand the wants and needs of our clients. Are they moving? Do they have a bottom line? Do they need to sell quickly or sell before they buy another property? Have they been prequalified with a lender? Which parties will be on title?

Our market is unique, with an array of homes and reasons to buy and sell. Most of the first time buyers in Incline Village and Crystal Bay are experienced buyers in other markets but can easily get thrown off or perplexed by regulatory bodies and regulations involving the Lake Tahoe Basin.

Finding out how many homes your clients own elsewhere can give you an idea of what they are looking for in a transaction at Lake Tahoe. Understanding your client’s position can allow you to write a better contract and communicate clearly with the agent on the other side of the transaction.

Once in escrow, each party involved should have an escrow timeline laying out every deadline along with the most important terms and items to be completed. Each item we check off our list, involves at least two or more other parties (inspectors, loan officers, buyer/seller, escrow officer, etc). Constant communication between all parties involved is critical, even if the news is not always sunny.

Today’s technology allows business to keep flowing as we can easily communicate with one another on a moment’s notice electronically. Goodbye to the days of driving to a client’s home to get a contract signed, and then dropping copies off by hand to a buyer or seller, title office, and loan office.

Even though e-mail and Docusign are convenient ways to communicate and execute documents, it is important that we take our time and make sure our thoughts are clearly explained so that the transaction progresses nicely. It’s an agent’s responsibility to make sure to keep everyone in the loop and on the same page for smooth sailing even when a storm hits.

Don Kanare is the founder and Sabrina Belleci is the owner and broker of RE/MAX North Lake in Incline Village. You can follow their blog at www.InsideIncline.com.

Letter: Trump no ‘Real stable genius’ (Opinion)

Dear Editor:

Every day it becomes more obvious that the current occupant of the White House is not the “Real stable genius” he claims, but a foul mouthed buffoon possessing not a single credential that would make him eligible to be President of the United States, let alone ‘Leader or the Free World’!

The very antithesis of a statesman, this is a man who is so in love with himself he can’t resist flouting his narcissism at every opportunity; a man who brags about ‘falling in love’ with North Korea’s Kim Jung-un, one of the world’s bloodiest dictators; who congratulated Xi Jinping of China on becoming ‘president’ for life (“maybe we should try this”); who claims ‘victory’ after abandoning our allies, the Kurds to the brutality of the Turks and Russians and then sends U. S. forces back into Syria to defend Assad’s oil fields and who proclaims, “there are good people on both sides” after a deadly rally of white supremacists.

And, what of the mindless sycophants at his ‘mega’ rallies chanting, “lock her up, lock her up”, “send ‘em back, send ‘em back” (think, ‘Sieg Heil, Sieg Heil’?).

I have participated in every presidential election since I became eligible to vote (at age 87, that’s a lot of elections!) and obviously have lived under many Presidents for whom I didn’t vote. Indeed, most Americans have lived and survived under administrations that were not of their choosing, but in our lifetime, there has never been a more chilling scenario then the one now unfolding in our country.

History, I believe, will not view kindly those who continue to defend the indefensible.

John O’Neill

Minden, Nev.

Market Pulse: Attractive market opportunities for investors (Opinion)

The S&P 500 and Nasdaq Composite reached new highs, that despite the daily broadside of negative news about the economy, tariffs, trade and growth prospects here and abroad. Investing is all about the future, of course, not this year’s results. That explains why stocks are up.

Although third-quarter earnings are in the daily news, expectations for next year’s profits matter far more. S&P operating earnings next year, assuming no recession, will range from $160 to $180, which means the market is trading for 16-18 times earnings, by historical measures neither cheap nor expensive.

Most analysts would call it fairly valued under normal conditions, but times are not normal given rock-bottom interest rates, the likelihood that they will fall even more, and most important the abnormally unattractive alternatives.

By the way, have you noticed that we no longer hear about the inverted yield curve and its implications? Two reasons. First, the curve’s inversion was brief and focused only on one pair of many maturities. And it is far from inverted now. Second, bad news sells.

While the market is at its high, investors can still buy low. The pharmaceutical sector has lagged other areas, is undervalued relative to the market, and has higher yields. The reason: The drug companies have headwinds in Washington and have for years.

Yes, there will be changes to the way healthcare is accessed and paid for, and there should be. But not to a degree that devastates the industry. Plus, drug and healthcare companies are not at risk due to rising tariffs since China does not want to make badly needed drugs and medical products any more expensive. No one does.

While investors can buy the SPDR S&P Pharmaceuticals ETF (XPH), I hold individual pharmaceutical stocks in my client portfolios. My favorites are Merck (MRK) and Pfizer (PFE), both of which blew past earnings estimates earlier this week. For Merck, Keytruda’s quarterly sales topped $3 billion for first time.

China sales for Merck’s vaccine Gardasil rose 90 percent in the quarter. Pfizer sales of breast-cancer drug Ibrance rose 24 percent to an annual $5.1 billion. Earnings estimates were raised.

Investors can buy the market as it hits new highs using passive mutual funds or ETFs, or if they don’t want to chase strength they can look to the healthcare sector.

Bottom line: There are opportunities for investors, both to buy breakouts and buy laggards.

David Vomund is an Incline Village-based Independent Investment Advisor. Information is found at www.VomundInvestments.com or by calling 775-832-8555. Clients hold the positions mentioned in this article. Past performance does not guarantee future results. Consult your financial advisor before purchasing any security.

Kudos: Thank you to all who made Remarkable Women event such a success (Opinion)

The Tahoe Women’s Community Fund would like to send out a huge thank you to all 200-plus women and men who were members of our collective giving circle this past year. Our collective memberships raised $84,000 that we gave away through our voting process (all members get a vote) to 13 local non-profits who work to improve the lives of community members on the South Shore of Lake Tahoe.

The Tahoe Women’s Community Fund cabinet would also like to thank all the attendees and the Tahoe Daily Tribune for making the Remarkable Women event (and our member celebration) last week such a success. It was very inspiring to see the amazing strength of the women in our community and their supportive families and friends!

In the last four years, TWCF has donated over $200,000 to our community through our memberships. We are currently looking to do even more for 2020, we hope to donate over $100,000, but can only do so with the support of everyone. Get more information and join today at www.tahoewomenscommunityfund.org.

And thanks to our Angel of Tahoe — now also the Lady of the Lake — for every dollar you contribute to TWCF through your membership gets matched by Ms. Maloff. Thank you Ms. Maloff and Mr. (Ricky) Reich.

TWCF is truly impressed with all the great community works and people here in South Lake Tahoe. Thank you all … it truly does “take a village!”

Thank you,

The Tahoe Women’s Community Fund