San Diego County's From The Front Porch Journal

S@N DIEGO COUNTY’S

from th_

FRONT PORCH Journ[l

THE TEN DO NOT’S

SOUND ADVICE IN CAROLYN’S MORTGAGE MEMO

@ FOUR-POSTER KITTY BED

IN UPCYCLE

HUMPHREY’S 2013 CONCERT SCHEDULE

IN FRONT PORCH PICKIN’

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PORCH RULES

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FROM THE FRONT PORCH JOURN@L m[y/jun_ ]ontri\utors: Front Cover Photography: ©Nat Rea Photography Design: Kate Jackson Interior Design KateJacksonDesign.com The Real Estate Brief A Note from Rosemary: Rosemary Joles Mortgage Memo: Carolyn Plummer Home: 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

Market’s Fluctuate Relationships Shouldn’t 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

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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

M@Y/JUNE

8

12

18 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 new home woes 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-lemon bars 10 eye candy amberglade lane 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– north county inland 16 nitty gritty auto claims clarified bankruptcy and short sales 17 sd concerts front porch pickin’ 18 domiciles from east county to coast

the real estate brief a note from rosemary

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e (“Toolman” and myself) have been busy this spring season rejuvenating the wee humble cottage’s garden. Repotting plants, because it seems like the soil just disappears. I know the plants just consume nutrients, but where does the rest of the soil go??? Gardening friends have becoming the recipients of succulent cuttings and plants that had to be split. There is something special about sharing plants. I have a stag horn fern that was given to me by a World War II vet in 1993.

A, feisty, elderly neighbor who lived next door to us in Marston Hills, it brings back the sweetest memories of Fletcher and his lovely wife, Doris. Their stories of San Diego during the 1940’s, buying a house for $6000, of them dancing atop of the El Cortez or of him fighting in the South Pacific during the war. Yes, sharing plants is another way to stay connected to the people in our past.

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he most expensive home that sold in San Diego County in the month of April is this 2004 built, 5 bedroom 5 full bath plus 2 half baths.

The sq. 9025 ft. home located on a 1.7acre lot in Rancho Santa Fe The buyer paid a mere $7,500,000.

I don’t think I ever remember our market being so short on housing supply. We are currently seeing the results of very little new construction happening during our real estate market downturn. The “experts” are saying it’s going to be 2018 before housing supply will catch up with the demand. The good news is that in 2012, 32,000 San Diego homeowner saw their mortgages go from being underwater to an equity status. The prediction is that this year they are expecting another 21,000 homeowners to do the same thing. This is definitely a positive sign for the San Diego market. It also conveys into officially being a seller’s market. If you are not sure where your home value is go to livininsdhomevalue.com or give me 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 the 10 do not’s of obtaining a home loan

Y

ou can unknowingly sabotage your home financing goals by making some obvious and not so obvious moves with your finances. Check out my list below for the top 10 things NOT TO DO when you are in the process of buying or refinancing.

DO NOT: 1. Transfer money between accounts, unless receiving complete documentation from your bank, itemizing all transfers.

2. Make unnecessary checking or savings account transactions, such as withdrawals or deposits.

3. Leave an existing job.

4. Allow your bank account to go into a negative balance, even if you have overdraft protection.

5. Apply for credit in any form, including credit for major purchases (such as a car or furniture), or apply for credit to consolidate or change existing credit.

6. Co-sign on any debt with a family member or anyone else.

7. Ask a tenant to move out, or give your landlord notice that you are moving out. Check with me prior to making this change just to be sure it won’t affect your loan eligibility.

8. Delay paying all debts on time.

9. Pay a bill in collections. If about to pay a bill in collections from a collection agency, try to pay it at closing. Paying a collection will greatly affect your credit score and should be delayed, if at all possible, until the loan closes, then pay the collection at closing date. It will affect your score later, but it won’t affect you getting the particular loan you are applying for.

10. Have a friend or family member pay anything related to the purchase of the home such as appraisal, earnest money, down payment, etc. Gifts are only allowed under certain guidelines.

I can advise you before receiving the gift on how to handle it and if it will be allowed.

Please contact me before you start your home financing process. I can answer your questions and provide advice on how to prepare for a smooth and successful loan closing.

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

new home woes Redesigner /Stager -Judy Sullivan

O

ne of the most difficult things about moving into a new home is the expense related to a home purchase. Especially for a first time home buyers who struggles to save for the down payment and closing costs just to be able to achieve that dream of ownership. In addition to the cost of purchase, most buyers also have to install new flooring and paint. It most certainly doesn’t leave much left over for buying furniture for your new digs.

This is where a one or two hour consultation with a redesigner can really help. They can help you see your existing items in a new way and you will be able to utilize what you already own in new home, all the while saving valuable dollars. Because, it never fails the furniture they you already have, just doesn’t hit the “sweet spot” as it once did in the last place where you lived.

G

ather tools and items you will need. Scissors, headboard, fabric, batting and upholstery stapler.

Although I am not a first-time home buyer I ran into the same dilemma in a recent move to a new home. The furniture that worked so well in our past bedroom now looks lost because our new master bedroom is so much larger.

So, I took my own advice and took the very first step on any project. Working with what I already have. I believe reuse, repurpose is always the best way to go. I decided the one item in the room that could make the biggest impact would be to change our old wicker headboard. I could have painted it a different color but I wanted something softer so I decided to upholster it instead.

So down to the local fabric store I went. I talked with the sales person in the fabric department, and she helped me figure out how much batting I would need to do the job. While in line at the register the lady behind me offered me a coupon for 50% off one item of my purchase! I love La Mesa!

L

All photos courtesy of Frank Sullivan

T

he results, a master bedroom that feels brand new.

The next step was to figure out what I was going to use for fabric. Remember reuse, repurpose; I rummaged through my linens and found a matelassé bed cover that worked just perfectly. The pattern even matched the scroll in my existing duvet cover. You don’t have a stash? Consider local thrift stores, garage sales, or a good friends closets.

ay the headboard facedown onto the double layer of batting.

The Steps 1) All items are gathered together here: staple gun, fabric, batting scissors.

2) Staple a double layer of batting to the back of the frame.

3) Lay your headboard face down on the wrong side of the fabric. If there is a pattern to your fabric, make sure that the pattern is running straight.

4) To keep the fabric stable place one staple in the top center of headboard, then bottom center. Do the same with both of the sides.

5) As you work your way around the headboard be sure that your fabric stays Exclusive smooth as you staple.

Stager /Redesigner 6) The end result a cushy for "new" headboard.

The Joles Group Judy Sullivan

lifestyle experience sd theatre The Coronado Playhouse

Broadway San Diego

coronadoplayhouse.com

Broadwaysd.com

Pageant April 5-May 12

Green Day’s American Idiot May 28-June 2

Carnival June 28 – Aug 4

San Diego Repertory Theatre sdrep.org

The Old Globe

Lamb’s Players Theater lambsplayers.org Damien March 22-May 5 Mix Tape May 31-August 31 Fiddler On The Roof May 17-July 7

June

Summer Concert Series: Carlsbad TGIF–www.carlsbadca.gov 6/29 6:00 pm – 8:00 pm Coronado Ferry – www.coronadoferrylandingshops.com 6/2-3, 6/9-10, 6/16-17, 6/23-24, 6/30 2– 5 Coroando Summer www.coronadoconcert.com 6/2, 6/9, 6/16, 6/23, 6/30. 6:00 pm Del Mar - Powerhouse Park 6/18 www.delmarfoundation.org Solana Beach – www.ci.solana-beach.ca.us 6/21 & 6/28 6:00 pm – 7:45 World Famous Mud Run www.hardcorpsraceseries.com 6/1, 2, 8, 9, 15 Various Fiesta Del Sol www.solanabeachchamber.com 6/2-1 9:00 am -5:00 pm Rock n' Roll Marathon & 1/2 www.runrocknroll.competitor.com 6/2 6:10 am - 4:00 pm San Diego County (Del Mar) Fair www.sdfair.com.

6/8-7/4 11:00 am -11:00 pm

theoldglobe.org

The Big Bad Armo Show May 9

Other Desert Cities April 27-June 2

Alladin May 15-May19

Be a Good Little Widow May 11-Jun 9

Les Miserables June 6-June 22

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

Taste of: The Gaslamp www.gaslamp.org.

6/8 – 6/19 Various La Mesa www.lamesachamber.com.

6/10 5:30 pm – 8:00 pm Little Italy: www.tasteoflittleitalysd.com 6/19 5:00 pm – 9:00 pm Adams Avenue www.adamsaveonline.com 6/30 11:00 am – 3:00 pm Carlsbad Beach Fest www.carlsbadbeachfest.com.

6/15 8:00 am – 3:00 pm Old House Fair www.theoldhousefair.com.

6/16 10:00 am - 4:00 pm La Jolla Festival of the Arts www.lajollaartfestival.org.

6/22-23 9:00 am – 5:00 pm Ocean Beach Street Fair www.oceanbeachsandiego.com 6/22 10:00 am – 8:00 pm Scottish Highland Games & Gathering www.sdhighlandgames.org.

6/22 & 23 9:00 am – 5:00 pm

July FIREWORKS Annual Big Bay Boom – Various - 9:00 pm Carlsbad/Legoland -Legoland. 8:30 pm Camp Pendleton – Del Mar Beach. 9:00 pm Coronado – Over Glorietta Bay 9 pm.

Del Mar - Fairgrounds. 9 pm El Cajon - Kennedy Park 9 pm Escondido - Grape Day Park. 9 pm Grand Tradition – Fallbrook. 8:45 pm La Jolla- Ellen Browning Scripps Pk. 9 pm Mira Mesa - Mira Mesa Community Park. 9 pm Mission Bay/Seaworld- 9:30 pm National City - Kimball Park. 9 pm Ocean Beach - Ocean Beach Pier. 9 pm Poway - Poway High School. 9 pm Ramona - Olive Pierce Middle School. 9 pm Rancho Bernardo - Bernardo Heights Middle School. 9 pm San Marcos - Bradley Park. 9 pm Santee - Town Cntr. Com. Ball fields. 9:30 pm.

Valley Center - Community Hall 9 pm Vista - Brengle Terrace Park. 9 pm www.sandiego.org

Summer Concert Series:

Carlsbad TGIF–Stagecoach Park www.carlsbadca.gov 5, 12, 19 & 26th. 6:00 pm – 8:00 pm Coronado Ferry – 1st & C www.coronadoferrylandingshops.com 7/4, 7/6, 7/7, 7/13, 7/14, 7/20, 7/21, 7/27, 7/28 2:00 pm – 5:00 pm Coroando Summer - Spreckels Park www.coronadoconcert.com 7/4 (4 pm), 7/7, 7/14, 7/21, 7/28. 6:00 pm Del Mar - Powerhouse Park www.delmarfoundation.org 7/9 6:00 pm Encinitas – Moonlight State Beach. www.ci.encinitas.ca.us 7/8, 7/22 La Jolla – Ellen Browning Scripps Park www.ljconcertsbythesea.org 7/15, 7/22, 7/29 2:00 – 4:00 pm North Park – Bird Park. www.northparksd.org 7/13, 7/27 5:30–7:30 Oceanside – Rancho Del Oro. www.ci.oceanside.ca.us 7/20 5:00 pm Pacific Beach – Kate Sessions Park. www.pbconcerts.org 7/22, 7/29 4-6:30 pm Point Loma – Point Loma Park. www.plconcerts.org 7/12, 7/19, 7/26 5:30-8:30 pm Solana Beach – Fletcher Cove Park www.ci.solana-beach.ca.us

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

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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.

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travel san diego

the old point loma lighthouse

By Barbara Allen

I

magine living high on a cliff in a remote lighthouse. Your only companions are your family. You grow vegetables in a garden and buy the rest of your supplies in town a day’s ride away. Your children row a boat across the bay to school. At dusk every evening, you climb a spiral staircase to the top of a tower and light an oil lamp that reflects off a giant lense, sending a beam of light out into the night sky. This light is a beacon to mariners out on the dark seas. After your task, you climb back down to a cozy room on the first floor and play cards with your family, or read by lantern. The next day you arise and do it all over again.

This is your life as light keeper at the Old Point Loma Lighthouse in the second half of the nineteenth century.

In 1851, a year after California became a state, the U.S. Coastal Survey selected a site for a lighthouse 422 feet above sea level at the entrance to San Diego Bay. But the structure was not built until 1854. A Fresnel lens, imported from France, was installed a year later.

Today, the Old Point Loma Lighthouse is open to the public.

Stroll up the hill from the parking lot at the Cabrillo National Monument. Step up to the first floor and peek inside the parlor where the light keeper and his family sat before the fireplace on cold nights. On the opposite side of the entry is the kitchen where the family ate their meals. On the second floor, two bedrooms sit on either side of the base of the spiral staircase.

Climb the winding stairs to the base of the tower and glimpse a view of San Diego Harbor and the city through a small window.

Visitors can access the tower only two days a year—August 25 (the National Park Service birthday), and November 15 (the lighthouse anniversary). Tour the rest of the lighthouse any day 9 a.m. to 5 p.m., except Christmas Day.

Lighthouse keeper, James P. Keating, lit the oil lamp for the first time on the evening of November 15, 1855. Sailors reported that the light could be seen anywhere from 26 to 32 miles away. But despite what was thought to be a perfect location, the light was often shrouded in fog and low clouds, making it ineffective.

After 36 years, it was decided to close the lighthouse. Robert Israel, the light keeper for the last twenty years of its operation, extinguished the light on March 23, 1891. And a new light station was built 300 feet below, at the bottom of the hill.

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.

W

ould you like to know more about California lighthouses check out this site: www.pbs.org/legendarylighthouses/html/calgl.html

All photos courtesy of Barbara Allen

family corner

Half Moon Cay-Bahama’s Photo courtesy of Elaine Allen

voyage the globe

B

travel food for thought!

lessed to have traveled as an employee on cruise lines for ten years, I've visited an incredible number of places that have overwhelmed me with emotion as sometimes I will cry as I am standing in front of a sight so magnificent, I can't believe I'm seeing it in person. It is a feeling I have never really been able to properly describe, as it just awe inspires me.

Here are some of my favorite destinations ~ what are yours, write them down on that Bucket List and become a traveler!

So, be still no longer and let your natural desire to travel begin, because… “Twenty years from now you will be more disappointed by the things you didn’t do than by the ones you did do. So throw off the bowlines, sail away from the safe harbor. Catch the trade winds in your sails. Explore! Dream! Discover!” ~ Mark Twain So what destinations inspire you?

After working on cruise ships for 10 years, Elaine Allen has settled back in North Park, San Diego to enjoy her grandchildren and garden that abounds with hummingbirds and butterflies. She wants to make sure each trip she plans brings enjoyment and enrichment to her clients. Elaine can be reached at: Phone: 800.420.0763 email: elaine.allen@avoyatravel.com www.avoyatravel.com/expert/elaineallen

Alaska ~ the view of the snow capped mountains in Spring

is etched in my mind forever and then a ride on a helicopter to the top of a glacier ~ I lived a dream!

Antiqua, Guatemala ~ cultural center of Guatemala that offers magnificent restaurants and sites to see and jade to buy. I feel most at home in this city (well aside from glorious San Diego my real home)!

China ~ I knew I wasn't in the United States anymore!

The Forbidden City, Terra Cotta Warriors, the bullet train, and The Great Wall are so much more when you see them in person! Pictures don't do them justice.

Photo courtesy of Elaine Allen

My

friend Chris getting personal with the sphix!

Cairo, Egypt ~ the history of the Pyramids are beyond description in the Egyptian Museum and then to see the Pyramids in the middle of Cairo; priceless!

Half Moon Cay, Bahamas ~ ok, imagine fine particles of

sand beneath your feet, and water so clear when you walk in you can see the nail polish on your toes and the water so buoyant you float with no effort. Need I say more?

So just a few of the many inspiring places to see. They say tourists go somewhere and want it to be like home, but a traveler goes to experience the culture, the people, the architecture and thrives on the difference in the experience.

Be a traveler!

out of the mouths...

W

hile we were walking my children would lag behind. In frustration, I yelled, “ Catch up” they yelled back, “ mustard” and would run up to us.

–Ted Wilder

front porch wisdom

“No one can make you feel inferior without your consent.”

- Eleanor Roosevelt “No

Come Sit for a Spell

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

Ingredients

Lemon Bars – The Barefoot Contessa

For the crust:  1/2 lb. unsalted butter, at room temp.  1/2 cup granulated sugar  2 cups flour  1/8 teaspoon kosher salt

Preparation Instructions Preheat the oven to 350 degrees F.

where was rosemary?

Balboa Park Organ Pavilion San Diego, CA Congratulations Linda Weber of Escondido, CA won a $25 Visa Gift Card.

For the filling:  6 extra-large eggs at room temp.  3 cups granulated sugar  2 tablespoons grate lemon zest (4-6 lemons)  1 cup freshly squeeze lemon juice  1 cup flour  Confectioners’ sugar for dusting

For the crust, cream the butter and sugar until light in the bowl of an electric mixer fitted with the paddle attachment. Combine the flour and salt and, with the mixer on low, add to the butter until just mixed. Dump the dough onto a well-floured board and gather into a ball. Flatten the dough with floured hands and press it into a 9 by 13 by 2-inch baking sheet, building up a 1/2-inch edge on all sides. Chill. Bake the crust for 15 to 20 minutes, until very lightly browned. Let cool on a wire rack. Leave the oven on.

For the filling, whisk together the eggs, sugar, lemon zest, lemon juice, and flour. Pour over the crust and bake for 30 to 35 minutes, until the filling is set. Let cool to room temperature. Cut into triangles and dust with confectioners' sugar.

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_

exington of Carmel Valley

10669 Amberglades Lane· San Diego· CA· 92130 $1,825,000.00 

6 Bedrooms, 4.5 Baths



Designer Paint & Window Furnishing



4687 Square Foot, 10,498 Square Foot Lot



Elegant Wood & Wrought Iron Staircase



3 Car Garage



Master Suite Features Luxurious Master Bath



Cobblestone Driveway



Solar Electricity



Bonus Game Room



Master Suite Private Balcony w/ Outdoor Fireplace



Elegant Travertine Flooring w/ Stone Accents



Resort-styled Oasis w/ Stunning Pool & Spa



Gourmet Kitchen



Large Circular Fire-pit and Built-In BBQ



Glass Walls to Maximize The Panoramic Canyon Views



Two Covered Patios Great for Entertaining

Rosemary Joles In Harmony With Your Dreams

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

Photo courtesy of fandor.com

minutia In August of 1859, Edwin Drake drilled the first oil well in Titusville, Pennsylvania on the banks of where else? Oil Creek!

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

I think we are drawn to dogs because they are the uninhibited creatures we might be if we weren't certain we knew better. They fight for honor at the first challenge, make love with no moral restraint, and they do not for all their marvelous instincts appear to know about death. Being such wonderfully uncomplicated beings, they need us to do their worrying. ~George Bird Evans, Troubles with Bird Dogs

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: Erythrina common name: Coral Tree Likes: Full Sun Hates: Do not overwater Blooms: Red, Red-Orange Negatives: Seed is poisonous if ingested Note: Attracts bees, butterflies and/or birds

“Don’t let the tall weeds cast a shadow on the beautiful flowers in your garden.

-Steve Maraboli Photo compliments of: plantwerkz.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

A

four -poster

kitty bed...

All photos courtesy of curbly.com

From Trash to Treasure What You’ll Need  End table or nightstand  Sandpaper  Paint  Finials  Pillow and/or  Coordinating fabric and cushion form along with sewing skills

A Unique Concept Store

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Antique Consignment Home Decor

Millicent

and Company Salons

MEGAN MCGHEN Hair Stylist

Present this coupon get 20% off

619·464·3166

Excludes consignment items

Ad good through June 30, 2013

619-337-8711 10ish to 5ish

8329 La Mesa Blvd.

La Mesa, CA 91942 Layaway/Delivery Available

4695 Palm Avenue · La Mesa · CA · 91942

podsibilities

books or blogs

1356

by Bernard Cornwell, Sir Thomas of Hookton is back in this historical thriller centered around the battle of Portiers. This time in search of “La Malice,” the sword of St. Peter used in the garden to protect The Christ. Searched for by the French, the English and an ambitious Catholic Bishop, all with their own personal agendas. Thomas must find and keep it from falling into the wrong hands.

I vote

for Midnight in Paris as Woody Allen’s greatest movie. Go back in time to the Paris of Earnest Hemingway, Gertrude Stein, Cole Porter and F. Scott Fitzgerald with Owen Wilson starring and become immersed in the Roaring ‘20s. With a soundtrack including Sidney Bechet and Josephine Baker, this disc will have you wanting to foxtrot and Charleston.

techno-holics

iBeetle?

announces full integration with Volkswagen iPhone 5! The iBeetle and iBeetle Cabriolet come complete with a fully integrated docking station.

Available for an estimated delivery date of early 2014, it will go on advanced order in October of this year.

WHAT IS SOMETHING THAT IS HARD TO TAKE BACK?

bits and pieces From Marcandangel.com

ingenious

Take

your spices with you on road trips, camping adventures or backpacking. Tic tac containers are the very best size for traveling light.

Source: thekitchn.com

ponderings

tic tac containers as spice storage

SD Sports Now You Know

T

he Padres were the first team to play a series outside the US or Canada. The series ‘La Primera Series’ was played August 16-18, 1996 against The New York Mets in Monterrey, Mexico.

sd outdoors San Diego North County Inland Word Search

park ation explor e ines Stat Torrey P erve es Natural R d between n u fo e Can b a nd LaJoll a r a Del M e.org torreypin

Bonsall Escondido Fallbrook Hidden Meadows Mount Laguna

Pala Palomar Mountain Poway Rainbow Ramona

Rancho Bernardo Rancho Penasquitos San Marcos Valley Center Vista

Find the answers at www.LivinInSD.com/ws

nitty gritty

auto claims clarified

When

is an auto claim a comprehensive or a However, let’s say you hit the rock…that’s an at-fault collision. You collision claim? Broadly speaking, that will lose your good-driver discount, and your car insurance depends on whether you hit something, or something hit you. premium will increase. The claims representative will need to know if you had time to avoid the accident. Were you tailgating when A comprehensive claim usually occurs when your car is not that ladder fell off the truck in front of you? That’s an at-fault moving. A collision claim means that you hit something while collision. Did it fall off and you had no way to avoid it? That the car was moving. As with anything, there are exceptions to might be labeled a not-at-fault collision claim. It all depends on every rule, but that is the general guideline. how you describe how the accident happened, and the claims rep’s investigation.

When you hit a deer crossing the road, it is a comprehensive claim, not an at-fault accident. Or you come outside from shopping and find that someone has keyed your car or has stolen your car. Those are both comprehensive claims. One is categorized as vandalism, the other theft. There is no effect on your rate.

However, if you come outside from shopping and find that someone has hit your car and run away without considerately leaving a note with their insurance information…that is a nonchargeable collision. It’s not at-fault, but it is rated as a collision.

On any of these incidents, you do still need to pay your deductible.

Take the time, read your policy. If you don’t understand someSo, for example, if you are driving along the freeway and a rock thing, call your agent. hits you, that’s a comprehensive claim. These claims have no Susanne Romo, LUTCF has been working in insurance since effect on your car insurance rates as it is not a “chargeable” 1986. Her passion is showing her clients that there can be a event. You can have several comprehensive claims in a policy vast difference between just ‘having’ insurance…and being period and it will make no effect on your rates, as it has nothing properly insured. She can be reached at: 858 751 0956 or at sromo@farmersagent.com to do with your driving record.

B

bankruptcy and short sales

ankruptcy has long carried an awful stigma.

Most people don’t fully understand what it means, what it does, or why someone would file for bankruptcy. Bankruptcy is NOT something to be feared, and in the short sale world, it can be an incredibly powerful tool.

homeowner will set up a payment plan with the court that the court will apply to all of their debts to have the debts then be paid in full, even if each individual debtor did not receive a full payment. After successfully completing a Chapter 13, the seller of a home would not have any personal liability to their mortgages and junior liens would be “stripped”, meaning they would no longer be on title. The downside to this is that the payment plans usually take 3-5 years to complete. A seller can complete a short sale while in an active 13, by requesting to sell the property through the court with a motion to see. This is almost always granted in a short sale where there is no equity.

A chapter 7 bankruptcy is the type of bankruptcy most commonly seen used in conjunction with a short sale. A chapter 7 bankruptcy takes 90-120 days and removes the homeowner’s personal responsibility to their debts, including their mortgages.

Liens remain on title, so the short sale negotiation process is the negotiation for the release of those liens. The bankruptcy has already taken care of any deficiency. Of course, if there is equity in the house being sold and it is NOT a short sale, that is a whole different ball game, as lienholders will want to keep their stake in the home.

A bankruptcy and a short sale together mean that debts and liens are all removed, usually in that 90-120 window. For homeowners who are struggling financially with all debts, and not just mortgage debts, wiping the slate clean in this way is exactly what they need.

Another bankruptcy we see is a Chapter 13. In the chapter 13, the

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

5/26

7:30P

Juanes-Loud and Unplugged Tour

8/15

8:00P

Straight No Chaser

6/3

7:30P

Jewel—Greatest Hits Tour (solo acoustic)

8/16

7:30P

Dave Koz & Friends

6/6

7:30P

Grace Potter & the Nocturnals

8/21

7:30P

Steely Dan

6/12

7:30P

Cyndi Lauper—She’s So Unusual Tour

8/23

7:00P

George Thorogood & the Destroyers

6/18

7:30P

Michael McDonald

8/24

7:30P

Toad The Wet Sprocket

6/19

7:30P

Doobie Brothers

8/28

6:30P

Regeneration Tour 2013

6/21

8:00P

Joan Rivers

9/8

7:30P

Melissa Etheridge Live

6/27

8:00 P

Erykah Badu

9/13

7:30P

Carly Rae Jepsen

6/28

8:00P

Chris Mann

9/14

7:00P

Tower of Power/Average White Band

7/2

7:00P

Summerland Tour 2013—Afternative Guitars

9/19

7:30P

Lynyrd Skynrd

7/5

7:30P

America

9/20

8:00P

Diana Krall-Glad Rag Doll World Tour

7/6

8:30P

Jim Gaffigan

9/21

8:00P

Lila Downs

7/7

6:30P

Under The Sun Tour 2013

9/27

7:30P

Air Supply

7/10

7:00P

Railroad Earth/Bruce Hornsby & The Noisemakers

10/2

7:30P

Jesse Cook

7/11

7:30P

Huey Lewis & the News

10/11

7:30P

Keali’i Reichel

7/14

7:00P

An Evening with YES

7/15

8:00P

Garrison Keillor’s A Prairie Home Companion

7/21

7:30P

Bill Cosby

7/23

7:30P

Jenny Lang/Robert Randolph & The Family Band

7/26

8:00P

The Fab Four—The Ultimate Tribute

7/30

7:00P

Rock ‘N’ Blues Fest

7/31

8:00P

Gipsy Kings

8/1

8:00P

Chicago

8/3

7:30P

Chris Isaak

8/4

8:00P

Bill Maher

8/7

7:30P

Willie Nelson &Family

8/8

7:00P

Los Lonely Boys

8/9

7:30P

Brandi Carlile

8/10

8:00P

D’Angelo

8/14

8:00P

Lyle Lovett and His Large Band

front porch pickin san diego music from classical to bluegrass

domiciles

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

Conv. Buyer · $240K · 3BD/1.5 BA Needs Townhome · East County

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SOLD · Poway · $350,000 rollinglendrive.com

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

Contingent · Eastlake · $300,000 livininsd.com

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