Page 1


from th_







The Real Estate Series Br in A g

Complimentary Appetizers & Drinks

Fr ie nd !


October 4, 2011 November 8, 2011


Keeping Your Home and Family Safe Decorate With What You Already Have

January 10, 2012

Get Your Home Organized

February 7, 2012

Easy Home Improvements For Your New or Existing Home

March 13, 2012

Be Tax Wise

April 17, 2012

Creating Great Curb Appeal

June 12, 2012

Protecting Your Assets


Rosemary Joles

All Events Are Free! Time: 6:30-8:30 Where: Ticor Title, 7777 Alvarado Rd., Ste., 101 Limited Seating Please RSVP 619-405-7673 or 858-550-2541



^_p[rtm_nts 4 the real estate brief a note from rosemary five reasons why 5 lifestyle experience sd theatre oenophile


6 family corner bargain hunter photo opportunity out of the mouths front porch wisdom 7 et cetera where’s rosemary delish


10 minutia useless knowledge bravo and mia bites rosebud’s garden 11 front porch pickin sd concerts 12 bits and pieces books or blogs podsabilities ponderings appaholics ingenious


13 the basics san diego padres/chargers schedule three things to do 14 domiciles From the Front Porch Journal Compliments of:

12 14

The Joles Group Rosemary Joles Realtor 619·405·7673 8310 La Mesa Blvd. La Mesa, CA 91942

the real estate brief a note from rosemary Summer in many parts of the country is drawing to a close and frankly I can’t believe how fast this year has gone. Before you know it, we will be celebrating the Christmas season with the very traditional twinkle lights on palm trees, along with beautifully and creatively lighted boat parades in our very own San Diego harbor. We of course here in San Diego are fortunate enough to feel like we have a perpetual summer with only a slight change in weather from summer to autumn. When you’ve lived here for a long time though you begin to feel the subtleties of the seasons. A slight crispness in the air. The tourists are gone from our beaches and Julian apples ripen giving reason to take trips to the wonderful old gold mining mountain town. Because I’m fortunate to live here in La Mesa, I even have the chance to see the Liquid Amber leaf color changes from vibrant green to the hues of orange, red and gold that line both Allison Ave. and La Mesa Blvd. The only thing that fools you that you’re not somewhere in the Midwest are the palm trees that sprinkle our hillsides and line the east end of the Blvd. San Diego somehow becomes quieter, simpler, making autumn my most favorite season. It is nothing short of spectacular in America’s Finest City/County at this time of year. Be sure you take a moment to relax from your daily routine and notice how awesome it is to live here. So enough on enjoying autumn and on to what I know best, real estate. Real estate is ever changing here in San Diego. Our year started out strong and I was optimistic we were headed for a good year of recovery. However, the market seems to be floundering slightly with San Diego resale housing inventory sitting at about 4.5 months, days on market increasing and the July total sold being down. Although interest rates are at historic lows (the lowest since the mid 1940’s)a buyer’s market seems to be in full force in nearly every price range. Because of the amount of inventory on the market buyers are definitely being more selective and taking their time in their choices. (All the more reason seller’s need to make sure their property look it’s best before putting it on the market) In addition buyers seem to be quick to cancel escrows because they aren’t getting what they want from REO/ Short Sale banks or sellers. The end result home prices have either flattened or in the case of condos dipped about 13%. One part of the buying market is moving and that’s the investor buyer. They are busy purchasing, because they realize the perfect storm of low prices, coupled with low interest rates won’t last forever. Until next time, blessings to each of you and your families.

five reasons why now is the best time to buy 1. HOME AFFORDABILITY IS AT A RECORD HIGH: This is an excellent time for first time homebuyer’s to buy a home. The combination of extremely low rates and reduced home prices has provided first-time buyers with unprecedented opportunities. The percentage of buyers who could afford to purchase a median price, single family home in California increased to 53% in the first quarter of 2011, up from 50% in the fourth quarter of 2010. 2. RENTER’S CAN’T AFFORD TO WAIT: “Time is Money”. The longer you wait to buy and continue to rent costs you money. You may be missing out on significant tax deductions by not owning a home and future equity. Instead of investing in your future you are investing in your landlord’s future with your monthly rent payment. You will never see a return on your money. You are just throwing that rent amount down the drain. 3. TRADE UP: Are you thinking of selling and moving into a bigger house or better neighborhood? The current real estate market offers the unique opportunity to capitalize by trading up. It is much easier to trade up in a down market than an escalating market. You can most likely buy a house you otherwise couldn’t have afforded and may not be able to afford again. In most areas, inventory is pretty high and buyers have a lot of choices. In most cases, you can get a good deal on a great property in a terrific area. 4. INVESTMENT PURCHASES: Again, both low interest rates and reduced home prices allow unique opportunities to buy an investment property. HomePath financing available on Fannie Mae’s Real Estate Owned (REO) properties allows investors to purchase these properties with as little as 10% down. Investors can keep cash reserves on-hand to use for other investment purchases. 5. INTEREST RATES REMAIN AT HISTORIC LOWS: However, this will not last forever. As inflation increases with a growing economy, interest rates will increase. Increased rates in the future can drastically affect your purchase power. With each 1% increase in mortgage rates, you lose approximately 10% in purchasing power.

Carolyn Plummer is a mortgage professional with Prospect Mortgage. She has been in the mortgage industry for 25 years. When she is not busy helping clients with their mortgage needs she is spending time with her husband of 23 years and her 14 year old daughter. Carolyn can be contacted at 858-550-2541 or

lifestyle experience sd theatre Lamb’s Players Theater

Amadeus May 29– September 25 Engaging Shaw July 29-September 4 Mixtape Extended again to November 6 Trying August 12-September 25 Till We Have Faces September 9-September 18 Servant of Two Masters October 7– November 20

The Coronado Playhouse A Midsummer Nights Dream September 2-September 25 The Drowsy Chaperone October 28-December 4

The Old Globe Much Ado About Nothing May 29– September 25 The Tempest May 29– September 25

wine tasting— san diego style By Mike McWilliams –San Pasqual Winery

Suggest local wine tasting to most San Diegans and images of driving up the 15 to Temecula come to mind. But did you know that we have over 60 wineries right here in San Diego County? Actually, the San Diego area has a rich winemaking history. Father Junipero Serra (known as the father of California wine) established the first vineyard here nearly 250 years ago. San Diego also boasts one of the first regions to be designated as an American Viticulture Area (AVA), that being San Pasqual Valley near Escondido. Although prohibition, and later vineyard disease, both took their toll on the local wine industry, San Diego wineries have made a resurgence in recent years. Problem is, most of them haven’t had a means of getting their wines to the public. For years, wineries located in unincorporated areas faced a lengthy and expensive permitting process to open a public tasting room. Consequently, their

wines were only available through select shops or restaurants. But now that the County has passed the “Boutique Winery Ordinance” many of the small familyowned wineries have opened, or are in the process of opening, tasting rooms that also allow retail sales. The challenge now, getting the word - and directions - to prospective customers. Unlike the wineries in Temecula that are largely concentrated along one main road, most of the local wineries are dispersed throughout San Diego’s backcountry. Although clusters of wineries can be found in and around Julian and Ramona, most are located off the well-trodden trail. While this makes for some incredibly scenic drives, it does sometimes tax the limits of even the best GPS. I suggest carrying a good map and don’t hesitate to call the winery for directions once you’re in the area. Chances are, you’ll talk to the winemaker him (or

The Rocky Horror Picture Show September 15– November 6 Somewhere September 24– October 30

Broadway San Diego Blue Man Group September 20-September 25 Hair October 18-Ocotber 23

San Diego Repertory Theatre Walter Cronkite is Dead September 17-October 16

oenophile her) self who will be more than happy to guide you back to that fencepost that marks the turn on the dirt road you just missed. For those feeling a bit less adventurous however, you’ll be glad to know that the San Diego area also hosts several “urban” wineries. Urban wineries typically buy their grapes from growers, allowing them to locate in more densely populated areas. This trend of bringing the wine to the people was highlighted in Sunset Magazine’s February, 2011 issue that listed our own San Pasqual Winery (located in Pacific Beach) as one of the “Hot 100” Things to Do and Places to Go on the West Coast. Visit the author, Mike McWilliams and his wife Linda (the winemaker), at San Pasqual Winery on weekends or at the San Pasqual Tasting Room and Gallery in La Mesa where they are open for tasting and retail sales seven days a week. For hours and location information go to For more information about other wineries and wine tasting in San Diego County, go to: or

family corner bargain hunter bar·gain [bagr-guhn}] -noun 1. an advantageous purchase, esp. one acquired at less than the usual cost: The sale offered bargains galore.

So motivated we almost sold the kids... Our dream was to own a home but it seemed like “normal” life and debts were in the way. Like many other couples we had financed both of our vehicles, got lots of expensive dental work done, and had a few miscellaneous credit cards. We found ourselves with over $63,000 of debt. That is what we had to work on to get that home we wanted. Now that we were on a monthly budget, we took every extra dollar... extra? There was no actual extra, per say. We took every dollar that was not going for food or lights and put it into paying off the debt. We cut out all the luxuries--eating out, cable (yes, we got rid of my beloved food channel), and vacations. We put stuff on Craigslist and had a yard sale. Good thing we liked the kids or we might have sold them too! Josh got every side job (doing sound for weddings, bar mitzvahs, etc.) he could find to make more money. At the time we had been blessed with ridiculously low rent. Our living room was the size of a large closet but we did not care. We loved it (and our landlord) all the more because it was helping with our get-out-of-debt plans! With so many debts, which do you focus on first? We maintained minimum payments on all but the smallest ones, which we attacked with a vengeance. This allowed us to have a couple quick victories, which is important because it starts you off with great momentum. Each month we were able to make bigger payments. It was like a snowball effect! By the end we were actually making upwards of $2000 in monthly debt payments! During our journey we learned a new word. No. It was hard to say ‘no’ to another run to Target, or lunch out after church, or date nights. But you have to get mad enough at your situation and at the debt so that you can make a change. We got so hopping mad that it was almost fun! It was great to receive fewer and fewer credit card bills in the mail. It was obvious that God was blessing us for a simple thing like getting our money under control. Josh and Liane Wilson now rent in Escondido with their three growing (AKA: expensive) children. Josh is Pastor of Ministry Production at New Venture Christian fellowship and Liane is a stay at home mom. They have no business writing a financial column because they are still regular shmoes. God has blessed them in spite of this.

photo opportunity When my daughter sent this photo to me on my blackberry of my grandbaby fishing with her Daddy. It made me stop in my tracks and smile. I thought to myself now that’s what From the Front Porch Journal Living means. Taking the time to spend with family or friends doing the simplest things in life. Whether its sitting on the front porch swing drinking tea meeting the neighbors or relaxing in your favorite chair daydreaming, front porch living is more than being on the front porch it’s a way of living ones life. Which brings me to the photo opportunity. I would enjoy seeing what pops into your mind when you hear the words Front Porch. So start sending in your photos and I’ll feature them here. Email your jpeg to:

Who Scratched the Sky?

out of the mouths

My 2-year-old watched out the window as I was driving. Suddenly he got very upset, saying "Oh, they are really gonna get it now! Oh, are they ever gonna get it now!" Seeing nothing remarkable happening outside, I asked my son, "Who's gonna get it? What did they do?” Then, with all the seriousness of a 2-year-old, and pointing to the stream of vapor behind a plane in the sky, he explained, "The guy driving that plane up there! Look at that! He scratched the sky, everywhere he goes -- and is God gonna ever be mad!"

front porch wisdom The best kind of friend is the one you could sit on a porch with, never saying a word, and walk away feeling like that was the best conversation you’ve had.

Come Sit for a Spell

where’s rosemary? I love exploring this beautiful county that we live in. In every issue of From the Front Porch you’ll find a photo of different places that I’ve been in San Diego County. Your goal is to figure out where I took the photo. Submit your guess by September 20th, 2011 and the first correct answer will win a $25 gift card to the restaurant of their choice! You can email them to: or call them into 619-405-7673. Thanks for playing!

et cetera

Chicken, Tortellini and Vegetable Soup       

where was rosemary? Santee Lakes We have a winner Maureen Brown from Santee! Maureen received a $25.00 gift card to Mimi’s Café.

1 can(49.5 oz.) chicken broth ½ tsp dried oregano ½ tsp dried basil 1 cup fresh carrots sliced 1 pkg of garlic herb cheese tortellini 1 cup raw red pepper strips 3 boneless, skinless, chicken breast halves, cut into 1 inch pieces, sautéed in 1Tab olive oil.


Recipe Credit: Rosemary Joles

In a large saucepan, bring broth oregano, basil and carrots to a boil. Add the tortellini and boil gently uncovered for 4 minutes. Stir in chicken and pepper strips. Simmer about 3 minutes or until chicken is cooked through. 4 servings.

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[ istoric Requa Masterpiece 1127 F Avenue· Coronado· CA· 92118 $9,500,000.00

This Richard Requa designed 1926 home is truly a historic masterpiece with it’s panoramic ocean views from the third floor turret sitting room to its 18,000 sq. ft. private garden grounds. Unparalleled with it’s elegance and beauty this home has been loving restored to it’s original glory. When William Gunn instructed architect’s Richard Requa and Herbert Jackson to design this home he stated, “I want the best that you can give me. I don’t want you to feel when it‘s done that you could have done better if you had not been limited.” It is now know as the historic W.A Gunn House. This home is Richard Requa’s expression of “Southern California Architecture.” While the details of the design and finish materials, which have been retained, are far too numerous to list, the aura that is felt as you step back in time to experience what California's most revered architect created, on one of the most incredible sites in Coronado is truly special. There are dozens of large estates near the beach in San Diego County, none of which compare to what Richard Requa designed when give “carte blanche” to create this home. Only steps to the world famous Coronado Beach and only blocks to the historic Hotel Del Coronado. Owning this home will be like owning your own piece of “Livable Art.”

The Joles Group Rosemary Joles

In Harmony With Your Dreams 619-405-ROSE (7673) 8310 La Mesa Blvd. La Mesa, CA 91942

minutia Elwood Edwards’s voice is heard more than 27 million times a day (which comes to more than 18,000 times per minute). Edwards is the man behind those special three words no, not "I love you," but "You’ve got mail." Todd Joles known as Todd the “Toolman”, is a handyman by day, a passionate luthier by night, mandolin/bluegrass aficionado by choice, and a purveyor of this useless knowledge. His wife Rosemary threatens it’s going to get him into Jeopardy training one day.

bravo and mia bites

Photo compliments of: Rebecca Johnson

useless knowledge

Bravo and Mia Say: “Owning a dog is one of the remaining reasons why some people can be persuaded to go for a walk.” The newest addition to the Rebecca and Shane Johnson household is a puggle named Mia. Diva Mia is the one with the pink collar to the left. We finally got Bravo and Mia to sit still long enough to take a photo. Of course the only way we could do that is by catching them sleeping! Bravo still spends most days working at getting peanut butter out of his Kong and is definitely terrorized daily by Mia. He is truly the innocent one of the two as Mia has taken over the role of the family terrorist! Mia and Bravo are the grandpuppies of Rosemary and Todd Joles.

botanical name: leucanthemum x superbum common name: shasta daisy Likes: Sun, part shade Hates: Overwatering Blooms: White Negatives: None Bonus: Attracts bees, butterflies and birds

“Knowing trees, I understand the meaning of patience. Knowing grass, I can appreciate persistence. - Hal Borland Photo compliments of: Rosemary Joles

rosebud’s garden Rosemary Joles is passionate about low-water gardening in San Diego. She loves creating gardens that look like lush water thirsty gardens, yet need very little moisture to maintain them. Her other passions include real estate, lattes spending time with family and friends, reading, music and laughter!

sd concerts 10/1 Opus Gala Location: Downtown Price: $30-$80 Time: 8:00 pm Info:

11/4-6 Liszt’s Piano Concertos Location: Downtown Price: $20-$65 Time: 8:00 pm (2:00 pm Sunday) Info:

10/2 Thibaudet Plays Ravel Concertos Location: Downtown Price: $20-$65 Time: 2:00 pm Info:

11/5 Battlefield Band Location: Normal Heights Price: $25/$50 Time: 7:30 pm Info:

10/3 Acoustic Strawbs Location: Normal Heights Price: $25/$50 Time: 7:30 pm Info:

11/6 Kings of Salsa Location: Downtown Price: $27-$77 Time: 8:00 pm Info:

10/14-16 Zukerman Plays and Conducts Location: Downtown Price: $25-$65 Time: 8:00 pm (2:00 pm Sunday) Info:

11/11-13 Mahler’s Ninth Location: Downtown Price: $20-$65 Time: 8:00 pm (2:00 pm Sunday) Info:

10/21 Tom Russell Location: Normal Heights Price: $27/$52 Time: 7:30 pm Info:

11/18 Kings of Salsa Herb Alpert and Lani Hall Location: Downtown Price: $27-$77 Time: 8:00 pm Info:

10/28 Masters of the Celtic Harp Location: Normal Heights Price: $20/$45 Time: 7:30 pm Info:

11/20 Campana Flamenco Jose Porcel Location: Downtown Price: $20-$72 Time: 2:00 pm Info:

10/28-29 Stayin’ Alive: Music of the Bee Gees Location: Downtown Price: $20-$72 Time: 8:00 pm Info:

11/25 Irish Christmas In America Location: Normal Heights Price: TBA Time: TBA Info:

10/30 Symphony Spooktacular Location: Downtown Price: $15-$25 Time: 2:00 pm Info: 10/30 Silent Night Film: Dr. Jekyll and Mr. Hyde (1920) Location: Downtown Price: $20-$30 Time: 7:30 pm Info: 11/3 Willy Porter Location: Normal Heights Price: $25/$45 Time: 7:30 pm Info: 11/4 Graham Parker Location: Normal Heights Price: $25/$50 Time: 7:30 pm Info:

front porch pickin san diego music from classical to bluegrass

books or blogs


This isn’t exactly a blog, however if you deal with rabbits (or not) in your garden you will love this creative watercolorist and paper artist, Jeanette Sclar’s (aka The Mistress of Longears), flickr site. My favorite is her Mug Shots Vol. III. When going through Mug Shots be sure to read the captions. They make me laugh every time I read them. You’ll enjoy meeting Ozzie the Airedale, Vinnie the Possum, Rockford the Squirrel and all of the other creatures that have decided that Longears Farms is their home. Click on the link below to view Mug Shots Vol. III: sets/72157600184059837/


While one of my friends was on vacation I noticed on facebook that he was utilizing this app while biking. So I went to to find out what it was all about. What I found is that this app will track any type of exercise that involves moving across distances. Endomondo tracks those distances utilizing GPS technology. Gone are the days when you have to hop into your car to figure out how many miles you ran/walked etc. Using your smart phone or Garmin GPS watch you can track all of your data and monitor your performance over time. If you need the challenge of working within a group. Endomondo tracks what other like-minded individuals are doing too. Helping you not only get inspired by them, but to support one another as well. The best part, the app is free! Just go to their website and go to their download page, their you will see of list of phone that they support. They are adding new phones all the time too. So if you don’t see your phone listed keep checking back.

While looking for music for a video I was creating for a listing I have, I found this music in our itunes library. Yes, we have so much music I didn’t even know we had it. I have to thank “Toolman” for this one as it was his find. Don’t let the cover fool you. This collection of artists created an album that updated these classic Appalachian tunes. One of my favorites is Short Trip Home. Click on the youtube link to have a listen:

If the average human life span was 40 years, how would you live your life differently?

bits and pieces From

ingenious Drink Carrier as Condiment Kit

-Source: Real Simple Photo: Beatriz da Costa


Cart condiments to a backyard barbecue. Slot flatware, ketchup and mustard in the compartments for easy transport.

SD Sports Date

Sep. 11 Sep. 18 Sep. 25 Oct. 2 Oct. 9 Oct. 23 Oct. 31


1:15pm 1:15pm 1:05pm 1:15pm 1:15pm 10am 5:30pm




Minnesota Vikings New England Patriots Kansas City Chiefs Miami Dolphins Denver Broncos New York Jets Kansas City Cheifs


Home games shown in BOLD

Three Things You Can Do the Day You Move Into Your New Home First, purchasing sufficient insurance coverage to be able to rebuild your home can be a challenge – especially when you start experiencing anomalies like we are seeing lately, where homes in some areas are selling for less than what it costs to actually rebuild them. It is important that you and your agent work together in determining what the right coverage for By the time you set foot through the front your home is so that if a catastrophic loss door of your new home, a lot of work has does happen you don’t find yourself gone into making that all happen. And underinsured. unless you are a seasoned property buyer, it Second – and this one escapes many is likely you relied on the help of a team of people’s attention, even agents – is the specialists in areas such as real estate, Building Ordinance and Code coverage. As mortgage lending, and insurance. In this homes age and building codes are updated section I’m going to focus on the insurance there is an ever higher probability that in side (i.e. dealing with the risk that case of a catastrophic loss you will be faced something unpleasant could happen to with added costs to upgrade materials that your home or your possessions) and share are compliant with building ordinance. In with you 3 things you can do to help addition, this coverage also pays to yourself be prepared. demolish the remaining structure if it is Insuring your property against possible loss may require that you make some customizations to your homeowner’s policy. For example, you may need to add coverage for high value items such as jewelry and fine art, or increase building coverage to account for higher quality materials and workmanship.

declared unusable or condemned under ordinance law, and it also pays for the removal of debris of the remaining structure. These costs are not covered anywhere else on a policy. The third tip today is being prepared for losses to your personal property. A simple solution is to create a folder in your

the basics personal email account called “Home Docs”. You then take digital pictures of all your property – including stuff put away in boxes, drawers and closets – as well as scanning all receipts for any items that you have and that you would want a record of. As you compile this information email to your “Home Docs” folder - this allows you to store information securely and away from your home. If anything ever happens and you can’t get back into your home right away, you can still gain access to the pictures and documentation remotely, and provide it to your insurance adjuster to start processing your claim – don’t forget to scan a copy of your policy too. Art McCormack has been a Property & Casualty and Life agent since 2004 and specializes in insuring homes and commercial buildings. He is married with two sons and lives in North Park, CA. By the way, when Art and his wife bought their home in 2000 Rosemary was their real estate agent too. Art’s office is located in University Heights and

can be reached at 619) 704 -3474 or (858) 404-0490.


Spacious Townhome · El Cajon · $185,000 3 Bedroom 2.5 Bath · 1424 Sq. Ft. · 619·405·7673

Charming Spanish · Kensington · $299,000-$339,000 2 Bedroom 1 Bath · 979 Sq. Ft. · 619·405·7673

Custom Lake Front Home · Alpine · $541,000 4 Bedroom 3.5 Bath · 3833 Sq. Ft. · 619·405·7673

Custom Home · Rancho San Diego · $715,000 5 Bedroom 3 Bath · 3338 Sq. Ft. · 619·405·7673

Views of Coronado Channel · Coronado · $995,000 2+ Bedroom 2 Bath · 1632 Sq. Ft. · 619·405·7673

Prestigious Location · Kensington · $1,197,000 2 Bedroom 2 Bath · 2325 Sq. Ft. · 619·405·7673

from east county to the coast

Traditional Sale · La Mesa · $397,375 4 Bedroom 2.5 Bath · 1400 Sq. Ft. · 619·405·7673

3 Unit Investment Property · South Park · $400,000 1 Bedroom 1 Bath /Studio · 1100 Sq. Ft. · 619·405·7673

Private Tropical World · Mt. Helix · $750,000-$775,000 5+ Bedroom 3 Bath · 2496 Sq. Ft. · 619·405·7673

Gracious Victorian · Bankers Hill · $886,000 3 Bedroom 2.5 Bath · 1970 Sq. Ft. · 619·405·7673

La Playa Yacht Club Terrace · Point Loma · $1,375,000 4+ Bedroom 3 Bath · 2918 Sq. Ft. · 619·405·7673

Secluded Dream Home · Mount Helix · $2,290,000 5+ Bedroom 6.5 Bath · 5776 Sq. Ft. · 619·405·7673

! LD









Rosemary Joles THE JOLES GROUP

In Harmony With Your Dreams Residential Sales · Short Sales · Leasing 619· 405· 7673 8310 La Mesa Blvd. · La Mesa CA · 91942

2011 September-October From The Front Porch Journal  

A San Diego real estate and lifestyle journal

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