From The Front Porch Journal - Sept/Oct 2013

S@N DIEGO COUNTY’S

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FRONT PORCH Journ[l

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GREEN EGGS @ND SC@MS

IN CAROLYN’S MORTGAG E MEMO MORTGAGE

H@UNTED HOUSE IN SD? IN TRAVEL SAN DIEGO

@RE YOU @ TOURIST OR TR@VELER? FIND OUT IN TRAVEL T HE GLOBE THE

La Mesa Christian Book Store

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and Company Salons

Buy One Item at Regular Price and Get The Second Item at 50% Off!!!

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8356 Allison Ave. La Mesa, CA 91942 619-741-6230 Miguel@LaTorta.com www.LaTorta.com

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

Visit us at www.LaTorta.com and click on coupon for the latest value meals and coupons.

FROM THE FRONT PORCH JOURN@L s_pt_m\_r/o]to\_r ]ontri\utors: Front Cover Photographer: Melanie Moran The Real Estate Brief A Note from Rosemary: Rosemary Joles Mortgage Memo: Carolyn Plummer San Diego Adventure: Elle Schaeffer Travel San Diego: Barbara Allen Voyage the Globe: Elaine Allen Books or Blogs: Todd Joles Podsibilites: Todd Joles Ingenious: Rosemary Joles Nitty Gritty: Susanne Romo Jacalyn Blank

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: 8277 La Mesa Boulevard, La Mesa, CA 91942

contents

SEPTEMBER/OCTOBER

^_p[rtm_nts

2013

4

6

13 From the Front Porch Journal Compliments of:

Rosemary Joles Realtor, CA DRE # 01095314 619·405·7673 Homes@LivinInSD.com www.LivinInSD.com 8277 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 galleria retirement sale 6/7 lifestyle experience sd theatre san diego adventure travel san diego-whaley house 8 family corner voyage the globe out of the mouths front porch wisdom 9 et cetera where’s rosemary delish-cilantro lime chicken 10 the good life 12 minutia useless knowledge bravo and mia bites rosebud’s garden-belladonna lily 13 upcycle trash to treasure– drawer to storage 14 bits and pieces books or blogs podsibilities ponderings appaholics ingenious 15 sd outdoors sd sports park exploration sd word find–SD Destinations 16 nitty gritty un-insured/under-insured debt settlement for junior liens 17 sd concerts front porch pickin’ 18 domiciles from east county to coast

the real estate brief a note from rosemary

C

hildren are heading back to school as I write this. I see Facebook photos of children excited to experience their first day.

Mom’s teary-eyed because their baby is growing up. I watch mom’s and dad’s shopping frantically, filling the teacher required supply list while at Target. It brings back fond memories of sending my own children off to school. A new grade, teachers, clothes and yes, school supplies. I cherish those memories and now watch as one my daughter’s, readies my oldest grandchild for pre-school. Time flies when it comes to our children, before you know it they are grown. In the wisdom of those older than myself I heard this frequently when my children were little. Unfortunately, as a frazzled young parent, I never took it to heart. So, I now reiterate to those of you in charge of raising this next generation. Cherish the time you have with your children...it goes more quickly than you can ever imagine.

T

he most expensive home that sold in San Diego County in the month of July is this 2007 gorgeous Italian Farmhouse in Rancho Santa Fe. Featuring 4+ bedrooms 4 full baths plus 2 half baths. The 8,974 sq. ft. home is located on a 2.27 acre lot in the highly desirable “Covenant” neighborhood of RSF. The buyer paid $6,000,000.

We are seeing some slight changes in the SD real estate market. Interest rates have crept up over the last few months and they look like they are going to stay there.

What this means for buyers is less buying power. A 1% interest rate increase on a $400,000 loan means a higher payment of $245 more per month. This has caused some buyers to be pushed out of the market or having to move from a detached home to an attached home. We are also seeing a small increase in inventory and seller’s being a little more reasonable in negotiations. We are still seeing multiple offers on homes. 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 preventing online fraud

F

inancial fraud is a booming business. The most recent statistics from the Federal Trade Commission (FTC) show that 25.6 million American adults (10.8% of the U.S. population) were victims of fraud in 2011.

According to the FTC, 33% of all fraudulent activity originates online, making the Internet the most common way victims encounter fraud. Here are some of the latest online financial scams and how you can avoid becoming a victim.

Auction Frauds. eBay (with more than 110 million users) has spawned the popularity of online auction sites. There has been an increase in merchants selling items and then sending out substitute items that are worth less than the price paid. Best defense: Be careful buying products auctioned outside the United States and diligently check a sellers rating and feedback before bidding.

Phishing and Spear-Phishing. Phishing is the act of sending a fraudulent email that entices you to submit your personal information. These emails come in the form of fake credit card application requests, bank account number confirmations, and password changes. Spear-phishing is when a thief compromises your personal information (home computer or social media contact lists) and uses it to entice you to give up more valuable information. Best defense: Don't click on links or call phone numbers in messages you find suspicious. Read the email carefully.

Phishing scams are often fraught with grammatical errors and strange requests from people you might know.

Bait-and-switch URLS. Be careful when typing in a merchant's URL. Being off by one letter can send you to a fake site where inputted data can lead to stolen identity, money or both. Best defense: Type carefully and then bookmark important financial and merchant sites. Get in the habit of checking what URL is displayed in your browser window.

The best way to defend against online fraud is to educate yourself about the latest scams. Here are some resources to keep you in the know: Hoax-Slayer.com, ScamWarners.com and the United States Government site usa.gov/Citizen/Topics/Internet-Fraud.shtml.

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 cplummer@amerifirst.us or at 619.813.8934.

Equal Housing Lender. I am a licensed mortgage originator, NMLS# 300310, and am licensed to originate mortgage loans in the State of California.

lifestyle experience sd theatre Lamb’s Players Theater

Rosencrantz and Guildenstern are Dead Jun 16-Sep 26

lambsplayers.org The 39 Steps Aug 9-Sept 22

The Few Oct 1-Oct 27

Wit Oct 4-Nov 17

The Last Goodbye Oct 2-Nov 3

Festival of Christmas Nov 29-Dec 29

Broadwaysd.com

coronadoplayhouse.com

Priscilla Queen of the Desert Oct 15-Oct 20

The Rockin’ Sixties Musical – Suds Oct 25-Dec 1

San Diego Repertory Theatre

The Old Globe theoldglobe.org

A Weekend with Pablo Picasso Oct 2-Oct 6

The Merchant of Venice Jun 9-Sep 28

October

FLEET WEEK www.fleetweeksandiego.org 9/13-10/6 various Bates Nut Farm Pumpkin Festival Info: www.batesnutfarm.biz 10/5-10/7 9:00 am-5:00 pm MCAS Miramar Air Show www.miramarairshow.com.

10/4-10/5 9:00 am-4:00 pm La Mesa Oktoberfest www.lmvma.com.

10/4-10/6 F&S: 11-11, Sn: 12-5 Pacific Beachfest www.pacificbeachfest.org.

10/5 11:00 am-7:00 pm La Jolla Art & Wine Festival www.ljawf.com 10/12-10/13 10:00 am-6:00 pm Old Town Art Festival www.oldtownartfestival.com.

10/5-10/6 10-6 (8 on Sun)

Chuck Milligan-Comedy Hypnotist Show Sept 12 (one show only)

Evita Nov 12-Nov 17 sdrep.org

A Midsummer Night’s Dream Jun 2-Sep 29

Decades-The 70’s Aug 23-Oct 26

Broadway San Diego

The Coronado Playhouse The Tempest Aug 30-Sept 22

Off Broadway Live offbroadwaylive.com

Venus In Fur Nov 9-Nov 30

Polish Festival - San Diego www.polishmission.org.

10/11-10/13 F:5-10, S&S 12-10 Ocean Beach Oktoberfest www.oceanbeachsandiego.com.

10/11-10/12 F: 4-10, S: 10-10 Little Italy Festa www.littleitalysd.com.

10/13 10:00 am-6:00 pm

November

Christmas on the Farm Craft Fair www.batesnutfarm.biz 11/9-11/10 9:00 am-4:30 pm FIREWORKS Carlsbad Village Street Fair www.carlsbad.org 11/3 8:00 am-5:00 pm Susan G. Komen Race for the Cure www.komensandiego.org.

Making Strides Against Breast Cancer 11/3 8:00 am www.makingstrides.acsevents.org San Diego Beer Week 10/20 7:00 am-11:00 www.SDBW.org MS Bay to Bay Bike Tour 11/1-10 Time Varies www.bikecas.nationalmssociety.org Veterans Day Parade 10/19-10/20 9:00 am-2:00 pm www.sdvetsparade.org.

The Boulevard Boo! Parade & Carnival 11/11 11:00 am-1:30 pm www.booparade.com.

Fallbrook Veteren’s Day Parade 10/26 10:00 am -5:00 pm www.fallbrookchamberofcommerce.org 11/11 10:15 am The Haunted Hotel / Scream Zone www.hauntedhotel.com.

Silver Strand Half Marathon 9/27-11/2 7:00 pm—11:00 pm www.kozenterprises.com.

11/17 7:00 am -11:30 am Gaslamp Monster Bash www.mcfarlanepromotions.com.

10/26 6 pm-Midnight

San Diego Bay Wine & Food Festival www.worldofwineevents.com 11/20 -11/24 Various times Susan G. Komen 3-Day For The Cure www.the3day.org.

11/15-11/17 6:00 am - 6:30 pm Mother Goose Parade www.mothergooseparade.org 11/24 10:00 am Encinitas Fall Festival www.encinitas101.com 11/24 9:00 am -4:00 pm Old Globe's Christmas Tree Lighting www.theoldglobe.org 11/20 6:00 pm Father Joe's Thanksgiving Day 5K www.my.neighbor.org 11/28 7:45 am-10:00 am "Santa's Coming" Craft Fair www.batesnutfarm.biz 11/29-12/1 9:00 am-4:30 pm Vista Winterfest-Tree lighting vistachamber.org 11/30 4:00 pm – 8:00 pm

Events provided by Elle Schaeffer Schaeffer- -ENS ENSMarketing MarketingDirections.

Directions.Elle Elle a freelance Graphic designer Marketing Consultant, specializing in small businesses.

Events provided is is a freelance Graphic designer andand Marketing Consultant, specializing in small businesses.

When not

by Elle When sitting at her you computer, can outwith Mt. her Biking with her You can see more samples and get moreabout information these or any sitting not at her computer, can findyou Elle outfind Mt.Elle Biking husband K.C.husband You canK.C. see more samples and get more information these or about any other events at other events at www.ensmd.com.

Contact her at info@ensmd.com or (619) 278-8635. about having a monthly of events created for your business! www.ensmd.com.

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

Ask about havingAsk a monthly calendar of eventscalendar created for your business!

travel san diego

the whaley house ghosts

By Barbara Allen

F

all is around the corner. In most of the country, the change in season is quite apparent. If we’re lucky, we may see some fall leaves here in San Diego. But one thing we do have is one of the most haunted houses in America.

The first, two-story brick structure in San Diego, the Whaley House was constructed in 1856 by Thomas Whaley, a San Diego merchant. This Greek Revival style building in Old Town, completed in 1857, was touted as the “finest new brick block in Southern California,” by the San Diego Herald. A single-story granary was built next to the home a year before, with bricks from Whaley’s brickyard.

The Whaley House sits on land that was once the site of public hangings. One of the most well-known men to be hung was James (aka Santiago) Robinson. Better known as “Yankee Jim,” Robinson lost his life in 1852 for stealing the only rowboat in San Diego Bay. Five years later, when Thomas and his wife, Anna, moved into their new home, they heard large footfalls moving Today, the Whaley House is open to visitors. Step across the about the house and attributed it to the 6-foot-4 thief. broad front porch, its ceiling painted light blue, to double, white doors. A docent in period costume greets you as you enter the long hallway. To the left was once the Whaley & Crosthwaite General Store. Display cases now hold personal items of the Whaley family, including some pieces found on the property during renovations. Beyond this room was once the granary, which Thomas later rented out to the County of San Diego for its courthouse.

Among the period furnishings that decorate the many rooms of the home lurk the spirits of Whaley family members. In the front parlor, visitors have seen a man, perhaps Thomas, walk through the room. Apparitions of a child, Anna, and even the Whaleys’ fox terrier, Dolly Varden, have been seen. Photographs show ghostly images. Voices have been heard, as well as footsteps when no one else was in the house. Day and nighttime tours are available, and this fall there is a host of ghost tours. whaleyhouse.org/events.htm Over the years, the Whaleys faced economic downturns and tragedy. Daughter Violet committed suicide in 1885 after suffering from depression following a divorce. The Whaleys moved to another house Thomas built on State Street in New Town and rented out the house in Old Town. However, it was sometimes left vacant and fell into disrepair. Thomas Whaley died in 1890. Anna passed away in the Whaley House in 1913, as did her son Francis the following year. Daughter Lillian lived in the house until her death in 1953.

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.

All photos courtesy of Barbara Allen

family corner voyage the globe

tourist or a traveler? tour·ist n. /ˈtʊәrɪst/ 1. a person who is traveling, especially for pleasure. 2. tourist class. Adverb 3. in tourist-class accommodations, or by tourist-class

trav·el·er n. \ˈtra-vә-lәr, ˈtrav-lәr\ 1. a person or thing that travels. 2. a person who travels or has traveled in distant places or foreign lands.

Now the two words above don't sound too different by definition, but in my opinion there is a huge difference! A "tourist" I believe goes somewhere for pleasure and hopes it is similar to home while a "traveler" is exploring the places they are visiting to learn the history, the architecture and about the people. They try to be immersed in the culture.

Now there is nothing wrong with being a tourist if say you are going to a beach resort and want to relax, eat and tan. That in fact is a welcomed vacation for me.

BUT, if you are going somewhere that offers a culture different from your own, I believe a traveler will learn, explore and enjoy that difference. Part of the enjoyment is becoming immersed in that local culture, difficult as it can be sometimes. Learn a bit of the language for the most common phrases, hello, goodbye, thank you and please, will make a huge difference in how folks respond to you.



The beach was too sandy. We had to clean everything when we returned to our room  No one told us there would be fish in the water. The children were scared.  We had to line up outside to catch the boat and there was no air-conditioning.

YIKES! Travel is a wonderful experience to learn more about the world we live in. "Like" my facebook page at facebook.com/ gotravelwithfriends to learn more tips about travel.

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

out of the mouths...

My

four year old son looked at me and said, “Mom, you would be much prettier if you erased those lines on your face.”

Thomas Cook Travel published a list of comments they received after some of their clients vacations. Here is a selection of a few.

If you don't laugh or at least chuckle, you might be a tourist! 

 





It's lazy of the local shopkeepers in Puerto Vallarta to close in the afternoons. I often needed to buy things during 'siesta' time -- this should be banned.

On my holiday to Goa in India, I was disgusted to find that almost every restaurant served curry. I don't like spicy food.

I think it should be explained in the brochure that the local convenience store does not sell proper biscuits like custard creams or ginger nuts.

There were too many Spanish people there. The receptionist spoke Spanish, the food was Spanish. No one told us that there would be so many foreigners.

It is your duty as a tour operator to advise us of noisy or unruly guests before we travel.

And here's just a few for those that are tourists to start, yet still really don't get it:

front porch wisdom

“Write it on

your heart that every day is the best day in the year.”

-Ralph Waldo Emerson

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

Cilantro Lime Chicken

Ingredients

       

where was rosemary?

3 Chicken breast 2 Tab olive oil 1 Medium limes, zest and juice 3 large cloves garlic minced 1/4 Cup chopped fresh cilantro 2 Tsp. cumin 2 Tsp. honey Salt and pepper to taste

Recipe and photo courtesy of bellalimento.com

Preparation Instructions

1. In a zipper bag add the olive oil, lime zest, lime juice, garlic, cilantro, cumin, honey, salt, Blossom Flinn Station Flinn Springs, CA No correct guesses this time!

Be sure to try again!

pepper and smoosh (that’s a technical term) to mix. Add the chicken breast and mix to coat. Refrigerate for a few hours to marinate.

2. Remove chicken from marinade and slice chicken into 1 inch cubes or lengthwise into 1 1/2 inch strips. Skewer onto soaked bamboo skewers. Spray cooking spray on grill.

Place chicken onto hot grill and cook until chicken juices run clear, or preheat oven to 450° F and bake for 15-20 minutes or until chicken juices run clear.

In an airy home by the sea, light filters in a certain way, illuminating the luster of wood and grey-blue depths of polished concrete. Glass accents dot the walls and sea grass rugs line the floor. It’s more than an ideal home: it’s a home designed to enchant.

Outside there’s a whiff of adventure, but the inside, the mood is tranquil. Books waiting to be read, meals to be enjoyed. A life to cherish.

So settle into a seat protected from stormy shores.

Enchantment dwells within.

XÇv{tÇàxw [ÉÅx

minutia Everyone knows where New Zealand is, but have you ever wondered about where the Old Zealand is? Zealand or sometimes spelled Seeland is the largest and most populated island in the Scandinavian country of Denmark.

Todd Joles known as Todd the “Toolman,” is a 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. You can find more useless knowledge at: Facebook.com/LivinInECSD

useless knowledge

“Even a Monkee can understand us dogs!” -bravo & mia

bravo & mia bites

I’m Gonna Buy Me A Dog

Recorded by The Monkees in 1966.

By Tommy Boyce and Bobby Hart

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.

You know my girl just called me up And she woke me from my sleep You should have heard the things she said You know she hurt my feelings deep.

I'm goanna buy me a dog [A dog, a dog! Why?] 'Cause I need a friend now.

[Say, you need all the friends you can get] I'm goanna buy me a dog, My girl, my girl, don't love me no how. [How now brown cow]

Hear the entire song here: youtu.be/nSJC-YDcS80

botanical name: Amaryllis belladonna common name: Naked Lady Likes: Full Sun Hates: Do not overwater Blooms: Pink Negatives: Poisonous if ingested Note: Leaves die back and then plant flowers

“The love of gardening is a seed once sown that never dies.”

-

Gertrude Jekyll

Photo compliments of: Rosemary Joles 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 gly drawers

to charming under-bed storage!

From Trash to Treasure What You’ll Need         

Old drawer Casters Screw driver Fun drawer pulls -optional Paint -two colors of your choice Paint brush Letter stencil or you can freehand Sandpaper Varnish

Find out more at icraftwithlove.blogspot.com

podsibilities

books or blogs are a fan of roots If you music of any form,

you will love the Archive Page at WoodSongs Old Time Radio Hour!

Host Michael Jonathan brings you an eclectic collection of roots music concerts.

From bluegrass’s Doyle Lawson and Quick Silver, to the blues of The Blindboys Of Alabama, to The Queen Of Rockabilly Wanda Jackson, to country singer songwriter Michael Martin Murphy. As I’m writing this, I’m listening to the modern Irish/Celtic rock band The Waterboys. These and many other concerts from other artists are available in MP3, WMA, and WMV files at woodsongs.com/showlist.asp. You can hear The Waterboys tribute to William Butler Yeats’ poetry set to music with his poem “The Lake Isle of Innisfree” on Youtube.com youtu.be/-GMFJi7Z8Ow The Lake Isle of Innisfree

I

By William Butler Yeats will arise and go now, and go to Innisfree.

And a small cabin build there, of clay and wattles made: Nine bean-rows will I have there, a hive for the honey-bee, And live alone in the bee-loud glade.

And I shall have some peace there, for peace comes dropping slow.

Dropping from the veils of the morning to where the cricket sings: There midnight’s all a glimmer, and noon a purple glow.

And evening full of the linnet’s wings.

I will arise and go now, for always night and day I hear lake water lapping with low sounds by the shore: While I stand on the roadway, or on the pavements grey.

I hear it in the deep hearts core.

Lee Child’s

great protagonist, Jack Reacher, stars in Gone Tomorrow. On a New York City Subway train, Reacher witnesses an apparent suicide. While being questioned as a witness it becomes very clear to Reacher that numerous alphabet soup agencies are looking for a missing thumb drive she was supposedly carrying. Characters aren’t who they appear to be, friends are foes, and foes are actually friends.

Reacher dispenses justice as only he knows how.

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

bits and pieces ingenious

Don't

tie it right

Source: Lowes.com

From Marcandangel.com

ponderings

leave those ties in a drawer to crumple and crimp. Use a paper towel holder to hang ties in an easy-access spot. The holder is compact enough to fit in any closet.

SD Sports Now You Know

S

an Diego linebacker, Junior Seau was the first round draft pick out of Southern California. He played with the Chargers from 1990-2002. He led the team in tackles each of his seasons with the chargers. Earning the nickname the Tasmanian Devil.

2013-2014 SCHEDULE OCT-NOV Date

Opponent

Oct. 14

INDIANAPOLIS 5:40 pm

ESPN

Oct. 20

at Jacksonville

10:00 am

CBS

10:00 am

CBS

Nov. 10 DENVER

1:25 pm

CBS

Nov. 17 at Miami

10:00 am

CBS

Nov. 24 at Kansas City

10:00 am

CBS

Oct. 6

park exploration

egional Park Harry Griffen R St. 9550 Milden 1942 La Mesa, CA 9 619-667-1307

Time

1:25 pm

Network

CBS

BYE Nov. 3

sd outdoors

at Oakland

at Washington

San Diego Destinations Word Search

cityoflamesa.com

Sea World Wild Animal Park La Jolla Shores Balboa Park Gaslamp District Beaches Old Town Hotel Del Coronado Harbor Cruises Seaport Village Legoland San Diego Botanic Garden San Diego Zoo The Flower Fields Cabrillo Monument Find the answers at www.LivinInSD.com/ws

un-insured/under-insured We’ve all heard the commercials “15 minutes could save you 15%” or “Bundle and Save.” I tell everyone “Don’t shop rate… shop coverage.” Make sure when you save money that you are not sacrificing coverage. With this in mind, let’s review a few seemingly inconsequential words in an auto policy that can make a key difference in coverage.

nitty gritty Named Driver vs. Permissive Use. Named Driver means that only people who are listed as insured’s in the policy documents have the full limits on the auto policy. For example, John and Sara have a Named Driver Policy. They never lend their car out to anyone. For them, a Named Driver policy may be completely adequate. However, if they lend their car to their friend who then gets in an at-fault accident, they have a problem. They may have high limits (think 250/500/100 BIPD) but their coverage will drop to the state minimum of 15/30/5. Their coverage drops from 250,000 of bodily injury per person, $500,000 per accident, and $100,000 of property damage….down to $15,000 bodily injury per person, $30,000 per accident, and $5,000 property damage. Even if there is no bodily injury but the other person’s car needs to be repaired, $5000 of coverage may not be enough.

John and Sara may now owe the other driver money to repair or replace their car.

With Permissive Use if John and Sara lend their car to a friend their coverage limits stay the same. This coverage also applies to Uninsured vs. Under-Insured Motorist Coverage. Uninsured relatives or friends visiting who drive your car, or the friends Motorist coverage protects you when you are hit by a driver who who want to use your truck to move. has absolutely no insurance. Under-Insured Motorist sounds Take the time to review your policy with your agent. Small similar, but it’s not. Under-Insured Motorist protects you against words can have huge consequences. the other driver who hits you, has insurance but doesn’t have enough coverage to pay your medical bills, injury, pain and Susanne Romo, LUTCF has been working in insurance since suffering. Not all policies have Under-Insured motorist. Make 1986. Her passion is showing her clients that there can be a sure your policy has the coverage you want. vast difference between just ‘having’ insurance…and being properly insured. She can be reached at: 858 751 0956 or at sromo@farmersagent.com

debt settlement for junior liens Short sales are a great way to sell an underwater house, but what about homeowners who want to KEEP an underwater house? There are options, but the pitfalls are ones that aren’t always so obvious.

the homeowner is paying the agreed upon settlement amount instead of the first lien holder. A good negotiator can often get a settlement down to 10% of the unpaid principle balance. That cost is often worth paying for homeowners to obtain an equity position on their home and then possibly pursue a refinance of their first mortgage while interest rates are still low.

As property values continue to climb, many people are finding that only their junior liens (2nd, 3rd, etc.) are causing them to be “underwater”.

Eliminating those junior liens would allow them to keep their home and be in an equity position The damage to the homeowners’ credit again. Many have tried for a modification on their profile is also reduced in a settlement of the first mortgage, only to be denied because they junior lien versus a short sale since only one failed the “NPV Test”, which determines that lien is delinquent and reported as “settled for there is equity in the home. If it wasn’t for those pesky junior less than owed”. In a short sale, often multiple liens are liens. delinquent and at closing, they all report as “settled for less than Other homeowners have tried to “lien strip” through owed”. For homeowners with liquid assets they are willing to use Bankruptcy. While this can be effective with a Chapter 13, the to improve their mortgage situation, junior lien settlement is process generally takes 3-5 years and a chunk of money in legal often the best solution. fees- assuming the homeowner qualifies. Then, of course, the is the owner of a Short Sale Negotiation company called Short bankruptcy remains on the homeowners’ credit- a consequence Jacalyn Sale Solutions, located in Clairemont. She currently lives in La Mesa. that many people aren’t ok with.

She has enjoyed living all over San Diego county and getting to know the There is another option and that is settling junior liens. 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 process of negotiating a settlement with a junior lien is the same short sale negotiation team can be reached at 866-593-7755. as the process of negotiating a short sale with a junior lien, except

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Fabulous Opportunity · Granite Hills · $365,000 3 Bedroom 2.5 Bath · 1385 Sq. Ft. · 619·405·7673

Stunning Cottonwood · Rancho San Diego · $485,000 3 Bedroom 2.5 Bath · 2248 Sq. Ft. · 619·405·7673

Cambridge · La Jolla · $599,000 2 Bedroom 2.5 Bath · 1443 Sq. Ft. · 619·405·7673

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Custom Home · Mission Hills · $1,350,000 3 Bedroom 3.5 Bath · 2923 Sq. Ft. · 619·405·7673

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

Pending · Santee · $229,998 livininsd.com

SOLD · Rancho San Diego · $230,000 livininsd.com

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SOLD · Eastlake · $295,000 livininsd.com

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SOLD · Del Cerro · $675,000 livininsd.com

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Rosemary Joles In Harmony With Your Dreams

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