2013 July/August From The Front Porch Journal

S@N DIEGO COUNTY’S

from th_

FRONT PORCH Journ[l

UNDER THE BO@RDW@LK

IN TRAVEL SAN DIEGO

FRIED EGG PL@NT IN ROSEBUD’S GARDEN

SUMMER POP’S SCHEDULE IN FRONT PORCH PICKIN’

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Beach Rules

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ride the waves

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BE GRATEFUL FOR THIS DAY

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FROM THE FRONT PORCH JOURN@L july/[ug ]ontri\utors: Front Cover Design/Builder Flagg Coastal Homes flagg.com The Real Estate Brief A Note from Rosemary: Rosemary Joles Mortgage Memo: Carolyn Plummer Ask Judy: Judy Sullivan San Diego Adventure: Elle Schaeffer Travel San Diego: Barbara Allen Voyage the Globe: Elaine Allen Books or Blogs: Todd Joles Podsibilites: Todd Joles Techno-holics: Todd Joles Ingenious: Rosemary Joles Nitty Gritty: Susanne Romo Jacalyn Blank

Annette Young Financial Advisor-Retirement Specialist– Investments 619-435-4276 2 Locations Coronado and El Cajon annette.l.young@wellsfargo.com home.wellsfargoadvisors.com/annette.l.young Investment and Insurance Products | NOT FDIC Insured | NO Bank Guarantee | MAY Lose Value Wells Fargo Advisors is the trade name used by two separate registered broker-dealers: Wells Fargo Advisors, LLC and Wells Fargo Advisors Financial Network, LLC, Members FCIC nonbank affiliates of Wells Fargo & Company. © 2010 Wells Fargo Advisors, LLC. All rights reserved. 1110-4262 [74029-v2] A1015

COMPLIMENTARY CONSULTATION & FINANCIAL REVIEW

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Email Rosemary Joles at: Homes@LivinInSD.com to subscribe or send a note with your full name and address to: 8295 La Mesa Boulevard, La Mesa, CA 91942

contents

^_p[rtm_nts

JULY/@UGUST

7

9

12 From the Front Porch Journal Compliments of:

Rosemary Joles Realtor, CA DRE # 01095314 619·405·7673 Homes@LivinInSD.com www.LivinInSD.com 8295 La Mesa Boulevard La Mesa, CA 91942

Follow our blogs at: LivinInLaMesa.com or LivinInSD.com Like us on Facebook at: Facebook.com/LivinInECSD Follow us on Pinterest Pinterest.com/rosemaryjoles/

4 the real estate brief a note from rosemary carolyn’s mortgage memo 5 home ask judy 6/7 lifestyle experience sd theatre san diego adventure travel san diego 8 family corner voyage the globe out of the mouths front porch wisdom 9 et cetera where’s rosemary delish-sausage kebabs 10 the good life 12 minutia useless knowledge bravo and mia bites rosebud’s garden 13 upcycle trash to treasure 14 bits and pieces books or blogs podsibilities ponderings appaholics ingenious 15 sd outdoors sd sports park exploration sd word find–South Bay 16 nitty gritty be fire prepared short sale no no’s 17 sd concerts front porch pickin’ 18 domiciles from east county to coast

the real estate brief a note from rosemary

D

o you remember all the updates we were doing at the wee humble cottage garden from the last issue?

“Toolman” and I are now reaping the benefits of our spring toiling. For the last few weeks we have been the recipients of little red jewels of sweet yumminess. Yup, our tomatoes are ripening rapidly. They never make it to a salad though, because we eat them like jelly belly’s! Good thing they have very little in the way of calories. Right?

On our agenda this summer is a family reunion in our home state of Wisconsin. We love being around those we love and miss. During our time there, many cheese curds will be consumed and music will be played. There will be swimming and boating at Round and Long Lake.

“Toolman” will be busy teaching nieces and nephews mischievous things (much to the chagrin of their parents).

There will be fireflies to catch. Much laughter and late night talks with cousins we haven’t seen in eons. Yes, this is what living the good life looks like.

T

he most expensive home that sold in San Diego County in the month of May is this 2010 contemporary. Boasting 6 bedrooms 6 full baths plus 2 half baths. The 11,098 sq. ft. home is located on a .97 acre lot in La Jolla. The buyer paid $8,825,000.

The real estate market continues to have low inventory.

The beginning of June saw interest rates pop into the mid 4% range. We are seeing lenders providing a larger variety of loans that include no documentation for those that are self employed. We are also seeing other financing programs that are helpful for those who are in the jumbo loan category. For the would be buyer, I can’t stress enough how important it is to get off the fence and purchase. The good news for homeowners is your home value may now be above water! If you are not sure where your home value is go to livininsdhomevalue.com or give us a call at 619.405.7673. If you would like to receive current market statistics please drop us a line. We are here to help.

Until next time.

carolyn’s mortgage memo top ten credit do’s and don’ts

G

ood credit is critical when it comes to obtaining the best interest rates and terms on a mortgage.

Here are the top 10 do’s and don’ts when looking to secure a mortgage.

Methods to Improve Your Credit 1. Don’t Apply For New Credit. Every time that you have your credit pulled by a potential creditor or lender, you can lose points from your credit score immediately.

2. Don’t Pay Off Collections or “Charge Offs.” If you want to pay off old accounts, do it through escrow, making sure that the debt is yours. Request a “letter of deletion” from the creditor.

3. Don’t Close Credit Card Accounts. If you close a credit card account, it may appear that your debt ratio has gone up. Closing a card will affect other factors in the score, including credit history.

4. Don’t Max Out or Over Charge Credit Card Accounts. Try to keep your credit card balances below 30 percent of their limit during the loan process. If you pay down balances, do it across the board.

5. Don’t Consolidate Your Debt. When you consolidate all of your debt onto one or two credit cards, it will appear that you are “maxed out” on that card and you will be penalized.

6. Don’t Do Anything That Will Cause A Red Flag To Be Raised By The Scoring System. This includes adding new accounts, co-signing on a loan or changing your name or address with the bureaus.

7. Do Join a Credit Watch Program. Then, you may check your own credit reports regularly (you won’t get dinged for a “hard” inquiry). Plus, if something unexpected does show up, you can address it promptly.

8. Do Stay Current On Existing Accounts. Like your mortgage and car payments, one 30-day late notice can cost you.

9. Do Continue To Use Your Credit As Normal. Red Flags are raised easily with the scoring system. If it appears that you are changing your pattern, it will raise a red flag and your score could go down.

10. Do Call Your Loan Officer. Your Loan Officer may be able to supply you with the resources you need to stop any derogatory reporting to the bureaus. Ask for details.

Carolyn lives in Rancho San Diego with her husband, teenage daughter and 2 dogs. She has lived in East County for the past 22 years and loves the sunshine and sense of community. Carolyn can be contacted at Carolyn.plummer@prospectmtg.com or at 858-550-2541.

Equal Housing Lender. Prospect Mortgage, LLC, NMLS #3296. I am a licensed mortgage originator, NMLS# 300310, and am licensed to originate mortgage loans in the State of California. To learn more, visit my Prospect Mortgage website at: myprospectmortgage.com/cplummer

home

ask judy Redesigner /Stager -Judy Sullivan

The Magic Pen

F

rom time to time, I roam my house and look. I see areas that need improving. I realize that the windows could use a wash, the floor a coat of wax, or the switch plates a wipe. It’s time like these that six words pop into my mind—if I only had a maid.

Instead I have a magic wand…uh yeah, I mean pen.

At the risk of sounding like a commercial this month, I have come across a product that I think is worth talking about. Many rental homes in southern California have tile in their kitchens and bathrooms, especially in older homes. We all know that with age comes wear and tear. Being renters, my husband and I are always looking for ways to make our rental unit look fresh and loved—without breaking the bank.

B

efore...nothing was getting that clean.

About a week ago my husband came home from the home improvement store all excited about this "Magic Pen" made specifically for whitening grout. I had scrubbed the tile and grout in the kitchen and the bathroom with the usual products, and the tile sure did shine but the grout lines were discolored and stained. As we all know that with age comes normal wear and tear. So I had nothing to lose and everything to gain so I tried this little "Magic Pen".

Check out the before shot to the left..... the grout is clean yet was stained and yellowed.

I followed the simple directions on the package. It works like a fabric marker where you shake the pen for two minutes then depress the tip to get the pen flowing. I found that applying one coat of the marker was just okay. So I let it dry and applied a second coat.

A picture is worth a thousand words! I must say that I am happy with the results. Even though the tile and grout are about 50 years old this little "Magic Pen" worked its magic.

Do you have a household dilemma that you don’t know how to handle? Judy has the knack of being able to find the most economical way to find a solution. Send your questions to Judy at jassully@gmail.com. One of them may be picked in the next issue of From The Front Porch Journal as a Ask Judy column.

Be sure to put Ask Judy in the subject line. Otherwise you just might get deleted…Yikes!

All photos courtesy of Frank Sullivan

A

fter...it looks just like new!

Exclusive Stager /Redesigner for The Joles Group Judy Sullivan

lifestyle experience sd theatre Lamb’s Players Theater

The Coronado Playhouse

lambsplayers.org

coronadoplayhouse.com

Fiddler On The Roof May 17-July 7

Carnival June 28 – Aug 4

The 39 Steps August 9-September 22

The Tempest Aug 30-Sep 22

The Old Globe theoldglobe.org A Midsummer Night’s Dream Jun 2-Sep 29 The Merchant of Venice Jun 9-Sep 28 Rosencrantz and Guildenstern are Dead Jun 16-Sep 26

Broadway San Diego Broadwaysd.com

San Diego Repertory Theatre sdrep.org In The Heights July 30-August 25

Sister Act July 30-Aug 4

4:00 pm - 6:30 pm 8/4 Rockola (Beatles tribute) San Diego Surf Cup XXXII 8/12 US Navy Band www.surfcup.com.

Santee Summer Concert Series 8/3-8/5 8:00 am - 8:00 pm www.ci.santee.ca.us La Jolla Concerts by the Sea 6:30 pm – 8:00 pm www.ljconcertsbythesea.org.

8/1 Len Rainey and The Midnight 2:00 pm - 4:00 pm Players (Jazz and Rock) 8/4 The Benny Hollman Big Band 8/8 – Rockola (Classic Rock) 8/11 Theo & The Zydeco Patrol 8/15 - Tony Suraci as The Highway8/18 The Heroes (Rock & Roll) man (Johnny Cash tribute) 8/25 BetaMaxx (80’s) 8/22 - The Catillacs (Rock & Roll) Point Loma Summer Concert Series Americas Finest City 1/2 Marathon www.plconcerts.org. www.afchalf.com.

5:30 pm - 8:30 pm 8/18 7:00 am - 8:30 am 8/2 Left4Dead (80’s) Santee Movies by the Lake 8/9 The Bayou Brothers (Cajun) www.santeelakes.com.

Summer Concert at Bird Park 8:00 pm www.northparksd.org.

8/2 The Avengers 8/10 5:30 pm - 7:30 pm Big Papa 8/16 Rise of the Guardians and the TCB (Blues) 6th Annual Bike the Bay Pacific Beach Concert on the Green www.bikethebay.net. www.pbconcerts.org.

8/25 7:00 am - 2:00 pm

August

End of Summer Fire Run www.kathyloperevents.com.

8/25 8:00 am - 10:00 am

FIREWORKS September

La Jolla Rough Water Swim www.ljrws.com.

9/8 9:00 am - 4:00 pm

San Diego Bayfair (Powerboat Race) www.sandiegobayfair.org.

9/13-9/15 7:00 am - 6:00 pm US Sand Sculpting Challenge Start! San Diego Heart Walk & Expo www.ussandsculpting.com www.sdheartwalk.org.

8/30-9/2 9:00 am - 7:00 pm 9/28 6:30 am - 10:00 am San Diego Festival of Sail San Diego Restaurant Week www.sdmaritime.org www.sandiegorestaurantweek.com.

8/30 – 9/2 9:00 am – 7:00 pm 9/15 – 9/20 restaurant hours La Jolla Concerts by the Sea The Carlsbad Music Festival www.ljconcertsbythesea.org. www.carlsbadmusicfestival.org 9/1 2:00 pm - 4:00 pm Sue Palmer & September 20-22 Various Her Motel Swing Orchestra Annual Adams Avenue Street Fair San Diego Triathlon Classic www.adamsavenuebusiness.com. www.sdtriclassic.com.

9/28-9/29 10:00 am - 10:00 pm 9/7 6:30 am - 12:00 pm 9-11 Memorial Stair Climb www.sdfra.org 9/8 5:00 am

AIDS Run/Walk San Diego www.aidswalksd.org.

9/29 7:00 am - 11:00 am

Events Directions. is ais freelance Graphic designer andand Marketing Consultant, specializing in small businesses.

When not Events provided provided by

by Elle ElleSchaeffer Schaeffer- -ENS ENSMarketing Marketing Directions.Elle Elle a freelance Graphic designer Marketing Consultant, specializing in small businesses. sitting computer, can findyou Ellecan outfind Mt. Elle Biking husband K.C.husband You canK.C. see more and get more information about these or any other events at When at nother sitting at her you computer, outwith Mt. her Biking with her You samples can see more samples and get more information about these or any www.ensmd.com.

Contact her at info@ensmd.com or (619) 278-8635.

Ask about havingAsk a monthly calendar of eventscalendar created for other events at www.ensmd.com.

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travel san diego

on the boardwalk

By Barbara Allen Summer is here, and it’s time for fun and sun at the beach, so head over to the Boardwalk. Jog, roller blade, ride a beach cruiser, or take a stroll along the concrete walkway that spans approximately 3.2 miles from North Pacific Beach to South Mission Beach.

Arrive early in the morning and cross paths with surfers on their way to catch some waves. Stroll between the white and blue cottages on Crystal Pier. At the end, turn around for the breathtaking view of the ocean, north to Bird Rock and south to the Mission Beach jetty. On a clear day, you can see the Coronado Islands off the coast of Mexico.

Stop at Kono’s Surf Club for an egg burrito or scramble, or a plate of bacon and eggs with pancakes or toast. You’ll be served on an outdoor patio overlooking Crystal Pier and the Pacific. Or grab an espresso or coffee at Kono’s Coffee cart.

Stroll south along the pathway to the Green Flash restaurant, where the cement wall of the boardwalk begins. Stop in for a

attraction for the 33-acre Mission Beach Amusement Center, an idea of John D. Spreckels. It was later renamed Belmont Park.

The roller coaster fell into disrepair in the late 1960s and was closed in 1976. Slated for demolition, the “Save the Coaster Committee,” had it designated as a national landmark. It reopened on August 11, 1990. Take a swim in the Mission Beach Plunge, a 60-foot by 175-foot enclosed pool, housed in a Spanish Renaissance-style building. It was the largest salt-water pool in the world when it opened in May 1925, and now holds 400,000 gallons of fresh water.

So come for the day, or even a few hours. Have a meal, a snack, or drinks. Bury your feet in the sand and dip your toes in the water. Then stay and watch the sunset. You’ll probably start humming the song,

spicy Mary Caliente cocktail. Further down is the Lahaina Beach House, with its large, open deck, and the World Famous restaurant.

Shop for flip flops, sunglasses, hats, and souvenirs at Boardwalk booths. Watch guys and bikini-clad women play volleyball in the sand. Smell the sea air mixed with suntan lotion, feel the cool breeze, and see white sails of sailboats drifting along with the wind. Stop at the farmer’s market on Saturday mornings for organic vegetables and bright bouquets of mixed flowers.

In Mission Beach take a ride on the 2,600-foot long Giant Dipper Roller Coaster. First opened on July 4, 1925, it was a key Barbara Allen is a freelance writer. She has written educational materials for the past 15 years and currently writes reading assessment items for an e-learning company in Virginia. Barbara loves to travel, explore new places, and write about them. Check out her blog: bicoastalbarb.wordpress.com/ about her cross-country travels.

Under the boardwalk Down by the sea, yeah On a blanket with my baby That’s where I’ll be.

All photos courtesy of Barbara Allen

family corner out of the mouths...

W

hen I tell my 3 year-old daughter to clean up her toys, she says “ Mom, you better go ahead and do it. I don’ t know anyone who cleans up toys as good as you can.”

– Angelynn

front porch wisdom

“Our character

is what we do when we think no one is looking.”

- Unknown

Come Sit for a Spell

free or almost free in sd county

      

Free Museum Tuesday’s at Balboa Park A different museum free each week.

Watch a Free Movie Under The Stars Different communities offer free movies all summer long.

Visit A Farmer’s Market Support our local farmers. One of the best is in Little Italy.

Go On A Cruise Take the San Diego Day Ferry. Just $4.25.

Regal Summer Movie Express Children’s movies for $1.00 Tuesday’s and Wednesday’s Free Summer Concerts Pack a picnic dinner and head out to one in your community.

Take a Hike Explore our many parks such as Torrey Pines State Park.

    

Go Pier Fishing No license required if you fish from the pier.

Walk the Embarcadero Enjoy public art, historic sites along the way.

California Surf Museum Free Admission on Tuesday’s.

La Mesa Car Show Thursday’s enjoy some vintage cars all summer long.

House of Pacific Relations Celebrate a different country every Sunday during the International Cottages Lawn Program.

Visit LivinInSD.com/FreeSanDiego for extensive details of where farmer’s markets are, what and where movies and concerts are playing.

where’s rosemary?

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. Be specific and submit your guess as fast as you can (You have competition!!!) The first correct answer will win movie tickets for two! You can email, call or facebook us at: 619-405-7673, Homes@LivinInSD.com or www.facebook.com/LivinInECSD.

delish

et cetera

Sausage Kebabs Glazed w/Balsamic & Fig Preserves

Ingredients

     

1-19.76 oz. pkg. Sweet Italian Sausage 16 cherry or grape tomatoes 1 Bundle of fresh basil leaves 6 Tab Fig preserves 2 Tab Balsamic vinegar Vegetable oil to lightly brush basil leaves

Preparation Instructions

1. Prior to grilling soak wooden skewers in water for a minimum

where was rosemary?

Torrey Pines Glider Port La Jolla, CA Congratulations Mary Mulholland of Santee, CA who won movie tickets for two!

2.

3.

4.

5.

Recipe and photo courtesy of bellalimento.com

of an hour {to avoid them catching on fire} If you're using metal skewers, obviously you can skip this step.

When skewers are ready, slice the sausages into roughly 1" sections. Assemble skewers by threading: sausage, cherry tomato, basil. Continue pattern two additional times per skewer until all skewers are complete.

Lightly brush basil leaves with a canola or vegetable oil to keep them from burning.

Place Kebabs onto hot grill and cook until sausages are brown {turning as necessary} Transfer cooked kebabs onto serving tray. Set aside to rest.

WHILE the kebabs are resting, into a small saucepan add fig preserves and balsamic. Stir to combine and cook over low-med heat until it reaches a nice smooth consistency. Baste sauce over the tops of kebabs prior to serving.

à{x zÉÉw Ä|yx

The good life is when you see the miracle of the day-to-day. It i moments: a glance, a smile, a knowing.

It’s there in the rush of coffee and cereal mornings and the relief o night evenings. It radiates and explodes with all of those holiday parties, potluck dinners and milestone celebrations. It’s a house then gets clean and then gets dirty again. It’s you delighted by a momentarily empty house, cross-legged on the sofa, wine in hand for one moment longer.

It’s the place you belong and it is the place that you belong to.

This is your home. This is your good life.

Courtesy of Arhaus

is hidden in the tiny

of family movieys and birthday that gets dirty and a quiet and d and worries away

Furniture

minutia Photo courtesy of fandor.com

The names of the three wise monkeys are: Mizaru, who sees no evil, Kikazaru, who hears no evil, and Iwazaru who speaks no evil. Sometimes there is a fourth monkey, Shizaru, depicted crossing his arms, which symbolizes the principle of “do no evil”.

Todd Joles known as Todd the “Toolman,” is a handyman by day and business associate of his wife Rosemary, a passionate luthier by night, mandolin/bluegrass aficionado by choice, chief cook and bottle washer because he loves his wife and a purveyor of this useless knowledge. If you are in need of handyman services you can contact Todd at: 619-985-5017. He may even share some useless knowledge with you. You can find more useless knowledge at: Facebook.com/LivinInECSD

bravo and mia bites

useless knowledge

"My dog is worried about the economy because Alpo is up to 99 cents a can.

That's almost $7.00 in dog money."

- Joe Weinstein

Photo compliments of: Rebecca Johnson

Bravo and Mia are the fur-children of Rebecca and Shayne Johnson. They are the grand puppies of Rosemary and Todd Joles.

botanical name: Matilija Poppy common name: Fried Egg Plant Likes: Full Sun Hates: Do not overwater Blooms: White Negatives: None Note: Attracts bees, butterflies and/or birds

“What is a weed? A plant whose virtues have never been discovered.”

-Ralph Waldo Emerson Photo compliments of: poeticshutterbug.blogspot.com To see more about this plant go to: www.LivinInSD.com

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!

upcycle

H

ub cap fun in the garden!

From Trash to Treasure What You’ll Need  Old hubcaps  Sandpaper  Paint  Old shovel handles for stems  Foam for leaves  Craft supplies Find out more at theweathereddoor.blogspot.com

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4695 Palm Avenue · La Mesa · CA · 91942

podsibilities

books or blogs

at the Wee Humble Cottage this month is Playing Mumford and Son’s second album, Babel.

In

This English folk rock band, consisting of Marcus Mumford, Ben Lovett, Winston Marshall and Ted Dwane has taken the

this explosive thriller, one of the most incredible finds mankind has ever located is about to surface. Deep below an off shore oil rig is a secret science facility where people are getting sick. Has the archaeology dig that the facility is hiding released an ancient virus or is it something even more sinister?

techno-holics

Once

in a while a piece of tech really can make your life easier. The SMARTPEN is the perfect companion to your tablet, laptop and smartphone. It records everything you write and hear together or separately. Tap anywhere on your notes to replay the audio from that moment in time. It automatically and wirelessly transfers your recorded notes and audio to your free Livescribe edition of Evernote for play back on nearly any device. The Livescribe edition of Evernote includes 500MB of additional monthly upload capacity for Smartpen notes and audio. It can quickly search, share and replay your lectures, meetings and ideas any time on nearly any device. Want to see more? Check out this YouTube video... youtu.be/mFCeqSggo2Y

world by storm! Their second album, Babel, which can be heard just about anywhere, is full of tunes you will recognize from Radio, TV, and movie soundtracks. Sometimes I’m slow and it takes a while for me to make the connection, but I finally realized that all those great cuts were all from the same band. Check out their video of “I Will Wait” on YouTube.. youtu.be/rGKfrgqWcv0

When you are 80-years-old, what will matter to you the most?

bits and pieces ingenious

paint swatch sticks

Source: Martha Stewart Living Photo: Raymond Hom

e a s y access to the color names and numbers for touch ups.

Save the wooden stirrers you used to mix the paint, let them dry, and then write the names and numbers of the colors on the ends of the sticks.

Use a length of twine to bundle the sticks by room.

ponderings

Have

From Marcandangel.com

SD Sports Now You Know

T

ed Williams was the first former Padre inducted into the Hall of Frame. He played for the Padres when they were a Minor League Team.

There is a street in San Diego named after him.

Ted Williams Parkway.

sd outdoors

park ation explor ark nty P rings Cou Flynn Sp Hwy 80 ld 14787 O A 92021 C ,, n jo E l Ca 180 0 16 619-5

of / ourtesy Photos c y.wordpress.com o h c y k c o b elson Becky D

San Diego South County Word Search

sdcounty

Bonita Chula Vista East Lake Encanto

Imperial Beach Lincoln Acres National City Nestor

Otay Mesa Otay Ranch Paradise Hills San Ysidro

Find the answers at www.LivinInSD.com/ws

be fire prepared

It’s

been 10 years since the Cedar Fire that consumed over 2800 homes, over a quarter million acres and took 15 lives, and six years since the Witch Fire that consumed over 1600 homes, almost 200,000 acres and took 2 lives. Source: www.fire.ca.gov/about/downloads/20LACRES.pdf

nitty gritty on a beautiful weekend morning and think “Honey, let’s create a photo inventory!” or “I think it’s time to back up our photos.”

But it’s the one thing insurance can never replace.

Here are a few ways you can protect those precious memories and documents:

So it’s been long enough for memories to fade and complacency  Burn them onto CDs and give them to a family member, or to kick in. This year it’s not a matter of if, it’s a matter of when put them in a safe deposit box. and how severe. There’s a lot of fuel that has re-grown, we  Invest in a computer backup system such as continue in a drought, and city and county resources are www.carbonite.com or www.mozy.com stretched to their limits.  Convert your negatives to digital with a digital scanner --and then back them up.  Create a filing storage container or use a pre-setup one such as www.docbox911.com  Create a digital home inventory ----open up all drawers & doors. Think minutiae. You want to create something you can hand to a claims rep so you don’t have to try to remember how many forks, spices, cosmetics, or cleaning supplies you had.

Take time every week to backup or convert a few photos --- or give it to your kids as a project. You could even hire a high school or college student to do this. Just make sure you take the time and get those photos and precious memories into a safe place.

Again, a house can be rebuilt, but photos are irreplaceable.

For my clients who have suffered fire or smoke losses, it’s not the building and furniture that haunts them. It’s the photographs and documents they cannot replace. I know you don’t wake up

When

money is involved, people are very good at finding every loophole to squeeze out a little more. An “application fee” for a new credit card, an “event insurance” charge for a 5k race, etc. Short sales are no exception to this. As short sales have become the ever-increasing norm, lenders have cracked down on many of these loopholes.

Here’s a few things most lenders will NOT allow: 1. As a general rule, no one involved in the transaction can be related by family, marriage, or business enterprise. An underwater seller used to be able to sell to his brother for current market value and then buy the house back later. Now the banks are looking for this “self given principle forgiveness”.

2. Normally, the seller cannot continue living in the home after the sale closes, even as a paying tenant. The “rent back” sales were very popular three or four years ago, but banks have said this is another form of “self given principle forgiveness” and cannot be allowed. Some lenders require sellers move out immediately and some give a window of up to 90 days.

3. Did you know that most of the time bank employees can’t

Susanne Romo, LUTCF has been working in insurance since 1986. Her passion is showing her clients that there can be a vast difference between just ‘having’ insurance…and being properly insured. She can be reached at: 858 751 0956 or at sromo@farmersagent.com

short sale no no’s

buy short sales from the same bank? If a buyer is a teller at Bank of America, he cannot buy a house on short sale with a Bank of America loan, even if he has nothing to do with short sales in his job duties. Some banks take this another step further and say you cannot be employed with any company that does direct business with or is a vendor for them and also buy a short sale with a loan by that same bank!

While the lender might not catch these things during a transaction, most of the time, they will have all parties sign a notarized affidavit under penalty of perjury at closing saying that none of these things apply. It will be interesting to see if the lenders will sweep old files for violations at some later date.

Jacalyn is the owner of a Short Sale Negotiation company called Short Sale Solutions, located in Clairemont. She currently lives in La Mesa.

She has enjoyed living all over San Diego county and getting to know the different communities. On the weekends she enjoys going to her son’s basketball games or going to the local Famer’s Market. Jacalyn and her short sale negotiation team can be reached at 866-593-7755.

sd concerts

San Diego Symphony’s Summer Pops Date Time

Performance

July 4, 5, 6

7:30 pm Star Spangled Pops with Bill Conti

July 12,13

7:30 pm Music of the Bee Gees

July 14

7:30 pm Pops Goes Classical-Passport to the World

July 18

8:00 pm Distant Worlds: Music from Final Fantasy

July 19, 20

8:00 pm En Vogue

July 26, 27

7:30 pm Amy Grant

July 28

7:30 pm Nathan Pacheco

Aug 2, 3

7:30 pm Broadway Tonight

Aug 4

7:30 pm Burt Bacharach

Aug 9, 10

7:30 pm Michael Bolton

Aug 16,17

7:30 pm Cirque Musica

Aug 18

7:30 pm Pixar in Concert

Aug 22

7:30 pm Ozomatli, Salsa-Samba-Dancehall-Funk

Aug 23, 24

7:30 pm Music from the 80s-Don’t Stop Believin’

Aug 30, 31 Sept 1

7:30 pm 1812 Tchaikovsky Spectacular

Check out the Free Community Concerts On LivinInSD.com Don’t miss this years Summergrass San Diego Summergrass.org August 16-17-18, 2013

front porch pickin san diego music from classical to bluegrass

domiciles

Countryside · Santee · $289,900 3 Bedroom 2.5 Bath · 1410 Sq. Ft. · 619·405·7673

Great Neighborhood · Chula Vista · $389,000 5 Bedroom 2.5 Bath · 2019 Sq. Ft. · 619·405·7673

Beautiful Remodel · Escondido · $549,000 4 Bedroom 2 Bath · 2503 Sq. Ft. · 619·405·7673

Private Setting · El Cajon · $549,000-$569,000 3 Bedroom 2 Bath · 2941 Sq. Ft. · 619·405·7673

Meticulous Home · Carmel Valley · $1,299,000 5+ Bedroom 4.5 Bath · 3736 Sq. Ft. · 619·405·7673

Live Above It All · San Marcos · $1,299,000 4 Bedroom 4 Bath · 4915 Sq. Ft. · 619·405·7673

from east county to the coast

Premier Location · Morley Field · $409,000-$429,000 2 Bedroom 2 Bath · 1200 Sq. Ft. · 619·405·7673

Urban Living · Hillcrest · $615,000-$650,000 2 Bedroom 2 Bath · 1467 Sq. Ft. · 619·405·7673

Canyon View · Carmel Valley · $1,695,000-$1,745,000 5+ Bedroom 4.5 Bath · 3527 Sq. Ft. · 619·405·7673

Massive Remodel · Spring Valley · $460,000-$470,000 4 Bedroom 2.5 Bath · 2433 Sq. Ft. · 619·405·7673

Premium Location · Rancho Bernardo · $625,000 3 Bedroom 2.5 Bath · 1930 Sq. Ft. · 619·405·7673

Exquisite Estate · Rancho Santa Fe · $7,950,000 6 Bedroom 10 Bath · 11,073 Sq. Ft. · 619·405·7673

X

very home is a masterpiece

Camera Shy Camera Shy

Cash Buyer · $110K · 1BD/1BA Mobile home/Condo · San Diego

Contingent · El Cajon · $200,000 livininsd.com

FHA Buyers · $240K · 2BD/1BA Needs Townhome · East County

FHA Buyer · $250K · 2BD/1BA Single Family Home · East County

La Mesa · Starting at $350,000 livininsd.com

Pending · Eastlake · $300,000 livininsd.com

San Carlos · Starting at $400,000 livininsd.com

Active · Lakeside · $785,990 livininmynewhome.com

Cash Investor · Any price · All SD Looking For Fixers · Short Sales OK

Want to find out what your home is REALLY WORTH? Go to www.livininsdhomevalue.com to get an automatic evaluation.

Rosemary Joles In Harmony With Your Dreams

Residential Sales · Short Sales · Leasing 619· 405· 7673 Homes@InHarmonyWithYourDreams.com InHarmonyWithYourDreams.com