“I’m Thankful”

Phyllis & VCCAG thankful

VCCAG Officers, Suzie Durant, Larry McKenzie, Diane Conaway and John Yeager with PVI’s Phyllis Knight kicking off the “I’m Thankful” campaign.

For those of us who live in the Valley Center area, we know that we are fortunate to be able to call this  community home. Not just because of the beautiful location and not just because of the great weather, but – most importantly – because of the people who live here. And, yes, it’s true that most of us have so much for which to be thankful.

But, as many of you know, we have friends and neighbors who may not be as fortunate as we are. Sadly, there are those in our community who are struggling with their circumstances. Sometimes it’s the loss of a loved one, or maybe it’s health issues, a bad accident, or perhaps the loss of a job, or other financial means have disappeared. The bottom line is they are going through a tough time and need a little help. Unfortunately, those situations can be exacerbated by the coming winter months and the holidays.

We know that you – like those of us at PVI – love to help and support our community, but sometimes we just don’t know where the needs are, how to go about it, or if it’s a charity we can trust. That’s where the Valley Center Community Aid Group (VCCAG) comes in.

The VCCAG is the nonprofit organization started by the Valley Center Real Estate Professionals to help meet acute needs in our community. Members of the group pay dues to belong, as well as donate a portion of their sales, commissions, etc., to support this fund that helps members of our community who need a helping hand. Even more importantly, in some ways, is that they get involved, not just to hand out money, but to give a hand up, and help those in need actually move forward to a better way of life.

That’s why we are pleased to be sponsoring the “I’m Thankful” campaign in conjunction with the Valley Center Community Aid Group – because they are the answer to those three issues: they know the needs, they know how to help and you certainly can trust them.

The VCCAG has a long history of “pitching in” where needed in our community. From providing financial assistance, to groceries, to transportation, to shelter and repairs, VCCAG has been the safety net for many in our community. They also have successfully utilized local resources and business volunteers to help as well.

So if you feel thankful for what you have this holiday season and have a heart for those in our community who are less fortunate, we hope you’ll support the “I’m Thankful” campaign by making a financial donation, or a donation of goods and/or services to the VCCAG. All types and amounts of donations are welcome and will be used in the best way possible to bless our community.

Donations (cash or check) can be dropped off at the PVI office (27357 Valley Center Rd) or mail your check to VCCAG at the address below. Please make checks payable to VCCAG and note “I’m Thankful” on the memo line. Donations also can be made through the VCCAG website and Facebook page. (As a reminder, donations are tax-deductible, so don’t forget VCCAG for your year-end donations!)

If you’re a local business, we would be happy to stop by and pick up your donation and do a photo op showing your community support! Just email Phyllis Knight to schedule.

Although the VCCAG accepts donations year-round, the “I’m Thankful” campaign will conclude on December 13th, so to participate, please submit your donations by that date.

Thank you in advance, Valley Center, for your continued generous support for our community!


PO Box 962

Valley Center CA 92082


VCCAG is a 501-C3 tax-exempt non-profit charity, Tax ID # 26-46-53266


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Medicare – How to be a Party to It

Bill H. pvi

If you’re like most people, insurance is not one of your favorite subjects. In fact, many of us probably would describe it as boring. I mean, how many of us walk into a party and say, “Hey! Who wants to talk about insurance?!”

I think the reason for our attitude is not that insurance really is boring, per se, but that – for most of us – we just don’t understand the finer points and that can make the details seem overwhelming, which translates to, you guessed it, boring.

And if that’s how we feel about regular insurance, don’t even get us started on Medicare, right?

But if you are in (or fast approaching) the large demographic in Valley Center that is 65 or older, then you know that Medicare is an important part of your healthcare. And, speaking of care, wouldn’t it be great to have someone on your side who not only does understand the finer points of Medicare, but also cares about helping you along the way?

Of course it would! And that’s why we’re excited to introduce you to Bill Heublein, PVI’s Medicare and Benefits Specialist! With over 30 years of experience in the insurance industry, Bill not only knows all the finer points and how to navigate the system, but he is anxious to share that knowledge with you! Whether you want someone to explain in detail, or simply someone who can guide you along the way, Bill is your go-to person for all things Medicare.

So we hope you’ll plan to join Bill at the Medicare Presentation / Q & A scheduled for Thursday, November 15th, at 9:30 am (immediately following the CAN (Community Action Network) meeting at the Valley Center Community Center. PVI is pleased to sponsor the meeting free of charge with no obligation.

And, maybe the best part, with all the knowledge you’ll learn from participating in this meeting, the next time the subject of insurance comes up, you’ll be the life of the party!

Medicare Meeting



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Nine “Chief” Ways to Stay Fire Safe

Joe Napier 2017

If you live in Valley Center or the surrounding area, you know we tend to think of fire season as in the fall, after a long, hot summer with little or no rain. However, as Valley Center Fire Chief, Joe Napier, says, “In our area, if it’s not raining, it’s always fire season.”

With that in mind, and since our “traditional” fire season is right around the corner, it’s important to be prepared and ready to act if the need arises. To that end, Chief Napier shared the following nine recommendations to help you stay fire safe:

  1. Register your cell phone with http://readysandiego.org/ to receive reverse 911 calls.
  2. Make a plan. Since your family may not be together when a disaster happens, it is important to have a plan already in place so you will know how you will contact one another; how you will get back together; and what you will do in different situations. A template is available at http://readysandiego.org/make-a-plan/.
  3. Build a kit. Use a clear large, tub that is easily transportable to store necessary emergency items for your family (including pets) in the event you have to evacuate. Items include medications, personal care items, comfort items, non-perishable food, water, flashlight/batteries, blanket, small tools, etc. For a checklist of items and their purpose, please click here.
  4. Protect your home. Maintain a 100-foot clear radius of combustible vegetation around your structure(s). Make sure smoke alarms are present and test regularly. For information on defensible space, click here.
  5. Protect important papers. Scan important papers and save on a thumb drive or in a “cloud.” Give a thumb drive to a non-resident family member/friend to safeguard or use a safety deposit box. (Fireproof safes are not always adequate.)
  6. Pets/animals. If you have pets and/or other animals at home, and you’re not, when a fire strikes, notify the Fire Department and/or Sheriff’s Department. They work closely with the Department of Animal Services to help protect our “other family members.”
  7. Be safety conscious. Be aware of your surroundings and use caution when doing anything that might generate sparks or cause a fire.
  8. Get involved. Join/support CERT, DAS VC DART and other local Emergency Response Teams to help serve your community.
  9. Obey fire evacuations. Evacuate immediately if instructed to do so. Your life, or the life of someone else, may depend on it. Most things are replaceable, YOU are not!

No matter where you live, most of these recommendations can be used to help protect yourself, your family and even your neighbors in the event of a fire. Being prepared and working together can help insure a better outcome for all involved!

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Vitality for Life!

Life - splashing water


  1. exuberant physical strength or mental vigor
  2. capacity for survival or for the continuation of a meaningful or purposeful existence
  3. power to live or grow

In case you haven’t heard, September is “Life Insurance Awareness Month.” But rather than focus on life insurance, per se, we – at PVI – would rather focus on “Life Assurance.”

So what do we mean by that? In essence, it means that we love to provide information and opportunities for you to enhance your life, which includes protecting yourself and your family, and improving your health.

That’s why we’re excited to announce the Vitality Program from John Hancock. In fact, we’re so excited – that members of the PVI Team are signing up for it, too! Here’s a brief overview of the program:

Life insurance with the John Hancock Vitality Program rewards you for the healthy activities you do every day. And now, you can earn an Apple Watch Series 3 for an initial small payment when you become a John Hancock Vitality member. Simply exercise regularly to earn Vitality Points and see the cost of your Apple Watch go down. The more Vitality Points you earn, the less you’ll pay. Here’s how the program works:

  1. Order your Apple Watch for an initial payment of $25 plus tax.
  2. Walk, run, bike, swim or do any number of exercises you enjoy and earn Vitality Points that go toward your monthly watch payments over a 24-month period.
  3. Earn 500 fitness-related Vitality Points per month over two years and you’ll pay no additional charges.

Plus, the Vitality Points you earn along the way can also lead to additional rewards and discounts, as well as savings on your annual life insurance premium!

If you would like to learn more about this exciting new program from John Hancock (which also includes a program for older adults), give us a call and let PVI help you save money while adding vitality to your life!

Call today! 760-749-2383

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Mixing It Up with VC Oil

Dave B. VC Oil

If you’ve been around Valley Center for any length of time, you probably have had the pleasure of meeting Dave Bohorquez, owner of Valley Center Oil Corp. If not, let us introduce you with a little history:

The VC Oil building, located at 28010 Valley Center Road, has been a fixture in Valley Center for close to 80 years. Dave’s family took over the business in 1976 and Dave assumed the business in 2010.

One of the things you notice when talking with Dave is that he lives small, but thinks big. He has loved the small-town community aspect of Valley Center since he was a teenager working at the business during the summer for his uncle. Later, after his dad took over the business, Dave filled in when his dad was dealing with health issues, and Dave discovered he really enjoyed the interaction he had with locals who would stop by and chat for a bit. In fact, that remains his favorite part of the business! Unfortunately, he doesn’t get to do that as much as he’d like.

You see, Dave is a busy guy! Not only does VC Oil offer gas (full- and self-service), but they also have a mini-mart (snacks, drinks, beer & wine, gifts/knick-knacks, etc.), a full-line of auto parts, U-Haul, and propane. Now Dave also is in the process of adding a new venture to the mix – a Little Caesars Pizza Express that should launch within the next 4-6 months. (He also has some other ideas he’s working on, but those aren’t for public “consumption” yet.)

Dave B pizza shot

Dave standing in the location of the future home of his Little Caesars Express

Although the saying goes that oil and water don’t mix, that certainly is not the case at VC Oil, where Dave has opened his doors – so to speak – to car washes for numerous community groups and charitable causes to help support their respective fundraising efforts. Dave provides the space, water and hoses; and the groups provide the labor, soap and tools. Together, a lot of money has been raised to support community members and various activities. In fact, another car wash is scheduled for Saturday, September 29th, that will benefit VC Firefighters. (The car wash also includes a barbecue.)

Dave and his family also are longtime supporters of 4-H, well known for buying animals at the annual auction and donating to the scholarship fund.

So as you can see, Dave and VC Oil reflect the best scenario for our community: offering first-class services, while serving our community with class. In other words, a perfect mix for Valley Center!

Be sure and check them out on Facebook! 

VC Oil

28010 Valley Center Rd

Valley Center, California




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Score Another One for the Home Team!


Although Marisela Enriquez is new to the PVI Team, she certainly is not new to Valley Center, having been born and raised in our community. And one of her favorite things about working for PVI over the last six months has been the opportunity to meet more of her neighbors and assist them in her position as Front Office Coordinator. As a result, she is very excited about the new relationships that she has formed with members of our community.

As is true of all PVI Team Members, Marisela is capable of wearing many hats, but her area of expertise is processing DMV transactions, in which she is BPA-certified. Her duties include all aspects – from renewing a registration to processing a title transfer. So if you need someone to drive the DMV process for you, give Marisela a call!

Marisela is a perfect fit for PVI and she is very adept at filling in as needed. If you stop by the PVI office, chances are that her face is the first you’ll see, which insures you of a warm welcome as it is her policy to greet everyone with a big smile and an offer of help. She thrives on being of service to our customers!

As far as future plans go, Marisela really enjoys working in the insurance environment, and she hopes to become an agent soon, so she is working toward that goal.

But as much as she loves it, all is not work with Marisela. What drives her outside of work is her passion for her family, and in particular her four-year-old son, Sunnie. She loves spending one-on-one time with him, and she also enjoys being with her extended family. She is thankful they live close enough to get together every weekend!

Also, since Sunnie just started school at Valley Center Primary, Marisela plans on volunteering there as much as she can. As she said, “I love doing arts and crafts with the kids!”

Marisela is pleased to be raising her son in her hometown. As she says, “I love Valley Center! I feel we have a great community. Valley Center is such a small town and I feel everyone is super involved with everything.”

At PVI, we couldn’t agree more, and we are fortunate to have Marisela as a part of our Home Team!

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PVI Swims with the Sharks

Shark Sponsorship

Silver Sharks, Gabriel Perpetua (l) and Wyatt Hill, are on the ball when it comes to accepting the team sponsorship check from PVI. Also pictured are Brooke Dunn (l) and Jenny Boulos (r), both with PVI, and Jennifer Hill (center).

As a business that was “born and raised” in Valley Center, one of PVI’s greatest pleasures is being able to support the young people of our community. So when we were asked to sponsor the Valley Center Peewee Soccer Team – the Silver Sharks – we took the bait and embraced the opportunity with enthusiasm! And from the smiles on the faces above, I guess you could say the partnership is going swimmingly.

The Silver Sharks team is comprised of four and five year olds, and we would like to introduce you to these cuties! Pictured below are (l-r) Beckett, Zach, Sophia, Eva, Summer, Tayla, Gabriel and Wyatt. (To see a brief video of of this picture, please click here.)


Their coaches, Sarah Sanchez and Assistant Coach, Stacy Huggins, put the emphasis on good sportsmanship and teamwork, while learning the basics of the sport. Which, naturally, insures a good time for all!

Of course, no sports team is complete without the Team Moms, and pictured below are Jessica Perpetua (l) and Jennifer Hill.

sharks moms

The Silver Sharks had their first game on Saturday, September 8th. It was a really hot day, but the team didn’t let the heat slow them down, as you can see in this short video that captured a little of the action.

We’ll catch up with the Sharks a little later in the season, but in the meantime, if anything comes up, we’ll drop you a line.


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