Enjoy 'San Diego County's From The Front Porch Journal'

S@N DIEGO COUNTY’S

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FRONT PORCH Journ[l

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THE THINGS TH@T M@TTER IN HOME

COFFEE SLEEVES IN UPCYCLE

IT’S WILDFIRE SE@SON GET PREPARED IN NITTY GRITTY

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FROM THE FRONT PORCH JOURN@L nov_m\_r/^_]_m\_r ]ontri\utors: Front Cover Photographer: LeAnne Wyatt TheBurlapCottage.com The Real Estate Brief A Note from Rosemary: Rosemary Joles Mortgage Memo: Carolyn Plummer Home: Rosemary Joles San Diego Adventure: Elle Schaeffer Travel San Diego: Barbara Allen Voyage the Globe: Elaine Allen Books or Blogs: Rosemary Joles Podsibilites: Todd Joles Ingenious: Rosemary Joles Nitty Gritty: Susanne Romo

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

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contents

NOVEMBER/DECEMBER

^_p[rtm_nts

2013

7

13

15 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 the things that matter 6/7 lifestyle experience sd theatre san diego adventure travel san diego-stein family farm 8 family corner voyage the globe out of the mouths front porch wisdom 9 et cetera where’s rosemary delish-beef and vegetable soup 10 give thanks 12 minutia useless knowledge bravo and mia bites rosebud’s garden-chorisia speciosa 13 upcycle trash to treasure-coffee sleeves 14 bits and pieces books or blogs podsibilities ponderings techalicious ingenious 15 sd outdoors sd sports park exploration-san dieguito park sd word find-sd holidays 16 nitty gritty wildfire preparation 17 sd concerts front porch pickin’ 18 domiciles from east county to coast

the real estate brief a note from rosemary

N

ovember is upon us and with it the holiday that I love most, Thanksgiving. Maybe, because I know through experience that being thankful truly causes us to be happy. I believe that when you are focused on what is good about life you don’t have time to think about what isn’t perfect or wrong with it. Having gratitude is so important to me that I’ve gone so far as to put an app on my phone called 1000 gifts. I love that everyday I get to be on the look out for things to be grateful for. It could be as simple as the miracle of harvesting a green bean that I grew from my garden. It’s seeing life in a whole new way on a daily basis. Every day looking for three things to be thankful for so that by the end of the year you’ve been grateful for 1000 gifts. Today, I am grateful that once a year we as a country, stop and give thanks for all that we’ve been given. It just doesn’t get any better than that.

carolyn’s mortgage memo is a reverse mortgage the right option for you?

A

reverse mortgage can be a good option for the right person in the right situation. This type of mortgage is a way to make the most of your home's equity and to make the most of your retirement. If you are 62 or older and looking to supplement your retirement income or obtain cash to pay off your existing mortgage, medical bills, auto loans, or other debts, or to build a safety net for unplanned expenses, a reverse mortgage is a way to do that. With a reverse mortgage, a new mortgage is obtained based on your current age and value of your home. This loan has no monthly payments and can be used to pay off existing debt; it is set up as a line of credit you access as needed to supplement your cash flow.

Unlike a traditional mortgage with monthly principal and interest payments, a reverse mortgage has no monthly payment and as the monthly interest amount accumulates it is added to the principal balance. You continue to live in the home and maintain title.

When you are no longer living in the home and it is sold, the reverse mortgage and interest is paid off with the proceeds from the home sale. The remaining equity from the home goes to your heirs.

A reverse mortgage was a perfect choice for a client of mine in her 90's who had been living in her home for over 60 years. This was the home she raised her children in, and she wanted to stay in her home until she died. Several years before she passed away, she needed 24 hour nursing care. By using a reverse mortgage, she was able to use the equity of the mortgage to pay for the in-home nursing care and her children were able to fulfill her wishes of staying in her home.

T

he most expensive home that sold in San Diego County in the month of September is this ocean view contemporary in La Jolla.. Featuring 6 bedrooms, 8 full baths plus 2 half baths. The 14.847 sq. ft. home is located on a 2.58acre lot in the exclusive La Jolla Farms area. The buyer paid $18,500,000.

With the holiday’s upon us the San Diego market has begun to slow slightly. Which is not unusual for this time of the year. Interest rates have adjusted downward, which is always a good thing for buyers and sellers. Days on market for home sellers is averaging 21 days. We are still seeing multiple offers on homes that show and are priced well. However, it’s not the frenzy that we have been seeing earlier in the year. It feels like we are heading toward a more balanced market. We will be able to tell more in 2014 if this pattern is going to continue.

If you would like to determine if now is a good time to sell your home or find out your homes value call us at 619.405.7673 or go to livininsdhomevalue.com. In addition we have some wonderful reports that show the current market conditions for your neighborhood. We are here to help.

Until next time, blessings to each of you.

A reverse mortgage was also a great option for a grandmother who came to me for help. She was sole custodian of her disabled grandson, but her only source of income was social security. After the mortgage was paid, only $400 remained for groceries, utilities and other expenses. She was using her savings each month to survive and it was disappearing fast. With the reverse mortgage, she paid off her current mortgage and set up a line of credit to access as unplanned future expenses came up.

Contact me to learn more about this mortgage option. We can decide together if this option is right for you or a loved one!

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.

AmeriFirst Financial, Inc., 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 (NMLS # 145368). 1-877-276-1974. Copyright 2013. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. CA: Licensed by The Department of Business Oversight under the CA Residential Mortgage Lending Act

the things that matter

home

A Tribute To Family

HAVE NOTHING in your house that you do not know to be useful, or Believe to be Beautiful.

-WILLIAM MORRIS

Grandchildren Messy From Their Adventures

Excerpt from the book The Things That Matter by Nate Berkus Great Grandma’s Brooches your home should tell the story of who you are. What you love most collected and assembled in one space. All your objects, finds, hand-me-downs . . . spelling out who you are to the world. Fact is, there isn’t a single item in my own home that doesn’t have a story behind it. This book celebrates the philosophy that things do matter. They have to. They’re what we live with and touch every single day. They welcome us home at night and greet us each morning on our bedside table. They represent where we’ve been, who we’ve loved, and where we hope to go. They make us happy, and I can’t think of a more beautiful way to live than that . . ."

—Nate Berkus

I believe

To see more ideas on how to display the things that matter in your home follow us on Pinterest.. Check out the board LivinInSD-Home Décor & Style on pinterest.com/rosemaryjoles/

lifestyle experience sd theatre Lamb’s Players Theater

Broadway San Diego

lambsplayers.org

Broadwaysd.com

Venus In Fur Nov 9-Nov 30

Festival of Christmas Nov 29-Dec 29

Shrek the Musical Nov 23-Dec 1

An American Christmas Dec 16-Dec 24

In The Time Of The Butterflies Jan 4-Jan 26

The Coronado Playhouse

Off Broadway Live

coronadoplayhouse.com

offbroadwaylive.com

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

Chicken Fried Christmas Nov 30-Dec 22

Ruthless—The Musical Opening Jan 25

Evita Nov 12-Nov 17

The Old Globe

Million Dollar Quartet Dec 3-Dec 8

theoldglobe.org

A New Year’s Eve Gala Dec 31

A Prairie Home Companion Jan 4

The Last Goodbye Oct 2-Nov 3 Dr. Seuss’ How the Grinch Stole Christmas!

Nov 16-Dec 28 Pygmalion Jan 12-Feb17

Disney’s Beauty and the Beast Jan 7-Jan 12

San Diego Repertory Theatre sdrep.org

San Diego Adventures December Santa arrives at the Ferry Landing coronadoferrylandingshops.com 12/6 3:00 pm—7:00 pm The Little Mermaid dcjc.org 12/6-12/15 8:00 pm—10:00 pm Coronado Christmas Parade & Open House coronadovisitorcenter.com 12/6 5:00 am—9:00 pm

La Jolla Christmas Parade & Holiday Festival ljparade.com/ 12/8 2:00pm—5:00 pm Gaslamp Holiday Pet Parade Gaslamp.org/pet-parade 12/8 1:00 pm—5:00 pm Mission Bay Christmas Boat Parade of Lights mbyc.org 12/14 6:00 pm—9:00 pm

Artisan’s Alley Craft Fair artisansalley.org/ 12/7 9:00 am—3:00 pm

Oceanside Parade of Lights visitoceanside.org/event/Oceansideparade-of-lights/ 12/14 6:00 pm—9:00 pm

North Park Toyland Parade toylandparade.com 12/7 11:00 am—4:30 pm

Old Town Holiday in the Park oldtownsandiego.org/ 12/14—12/15 6:00 pm—9:00 pm

Holiday in the Village thirdavenuevillage.com/ 12/7 12:00 pm—5:00 pm

Winter Wonderland mojalet.com 12/14-12/15 4:30 pm—8:00 pm Sunday 2:00 pm & 4:30 pm

January Hotel Del-New Year’s Day Brunch hoteldel.com/holidays.aspx 1/1 9:00 am—3:00 pm New Year’s Day Dinner Cruise Hornblower.com 1/1 6:30 pm—10:00 pm Narrated Temecula Wine Tasting destem.com 1/1 10:00 am—6:30 pm

Ancient Ales Beer Tasting Musuemofman.org/beer 1/16 6:00 pm—8:00 pm Friday Morning Lecture & Tour sdmart.org 1/17 10:00 am—12pm San Diego Restaurant Week SanDiegoRestaurantWeek.com 1/19-1/24

Farmers Insurance Open 2014 farmersinsuranceopen.com San Diego International Auto Show 1/23-1/26 Time varies sdautoshow.com Borrego Springs Film Festival 1/1– 1/5 Borregofilmfestival.com Scripps on Prospect 1/23-1/26 mcasd.org The English Concert 1/2-1/12 11:00 am—5:00 pm sdems.org Taste of Opera-Caffe Bella Italia 1/26 7:30 pm—9:30 pm sdopera.com/Experience/ TasteOfOpera 1/10, 1/15 6:00 pm—8:00 pm

travel san diego

stein family farm

By Barbara Allen On a corner in the middle of National City, step back in time to a farm established in the early twentieth century. Charles Stein and his wife Bertha bought the property with $1,000 they received from a settlement of the loss of their property near the Mexican border when it was flooded by the construction of the Otay Dam. The Steins, German immigrants, moved to the farm at 1808 F Avenue in National City in 1900. The yellow house with green trim stands on a two-acre plot that runs a full block.

Enter through the front gate and follow the path to the front porch. The scent of flowering plants and fruit trees surround you.

Inside, a volunteer will greet you and take you on a tour of the first floor of the house. You will view the front parlor, furnished in period furnishings from the early twentieth century. To the right is a small room that once was probably the bedroom of the Steins’ only son. Pass through the parlor to the dining room, where you’ll see a dining set once owned by the Steins, set with antique china, a gift from a donor. In the corner stands a large secretary, also owned by the Steins.

Step outside the kitchen door and down a few steps into the yard.

A hand pump that still works sits atop the cistern Mr. Stein constructed to store rain water. Across the yard is a weathered barn where an old carriage is stored, along with old farm tools.

Another volunteer will guide you around the grounds and let you sample fruits and vegetables. Take a sniff of a leaf from a lemon verbena plant, or munch on a piece of radicchio. Look for seedlings dropped from the large Torrey Pine tree that shades the side of the house. If you wish, you may pick fruit from the lime trees across from the barn.

If you’d like to see what farm life was like in the early twentieth century, stop by the Stein Family Farm for tour on a Saturday morning from 10 a.m. to 2 p.m.

Off the dining room are two doors. One leads to the stairway and the bedrooms upstairs, which are not on the tour. The other door leads to a small master bedroom furnished with a large double bed from the early twentieth century. At the back of the house is the kitchen. Its centerpiece is a cast iron cook stove that the Steins had shipped from the East Coast. Underneath the house is a large basement.

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

travel agent vs. online

So You Want To Book Online!

Maybe Its A Better Idea To Book With An Agent!

The internet, yes, has changed the world of travel indeed. Yes, it is so easy to find information about where you want to visit, book a flight, book a cruise or land tour. You can compare companies, compare prices and even occasionally talk to someone about the vacation. Yes, to book a flight is easy and probably still best to do online.

BUT, when it comes to planning an extensive vacation there are so many details involved it can become a full time job just gathering the information. You don't want to miss a detail as it can ruin a vacation in a heartbeat.

touring, whatever it is to make your trip an easier and ultimately a much better experience for you.

Bottom line ~ a travel agent provides a service that is better, faster and often more affordable than you can do yourself. You might even find that you can save money too. So perhaps explore where you might want to venture online and then contact me or your travel agent to see what I/they can offer.

Because, yes "service" is the key and a good travel agent offers service way beyond what any online booking agency can offer.

They will make sure you get the best "bang" for your dollars AND ensure a trip that will be truly "an adventure of a lifetime."

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...

N

ever trust a dog to watch your food.

-Patrick, 10

So did you know many travelers are returning to travel professionals for four key reasons statistics are showing: Knowledge ~ Travel professionals have specialized knowledge of destinations, things to do, places to see, the best places to dine and more.

Time ~ Consumers increasingly place a higher value on their time, where a five-minute call to a travel professional often avoids literally hours of mind-numbing online searches.

Price ~ Travelers are more aware than ever that a travel professional has the same rates offered by any supplier and oft times even less and with more amenities.

Advocacy ~ It turns out things can go wrong on a trip: a missed flight, an unpleasant experience, an emergency during the trip and more snafus that require assistance. More and more, travelers have learned that without a travel pro, they are on their own.

The fact that a traveler has one person to contact for all aspects of a vacation adventure makes your experience so much better.

Further, often a travel agent can come up with ideas about your trip that you never even thought of making it an even more knowledge gaining, fun experience. It can be savings, routing,

front porch wisdom “The world as we Come have created it is a process of our thinking. It cannot be changed without changing our thinking.�

-Albert Einstein

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

Beef and Vegetable Soup

Ingredients

 1 lb. ground sirloin  1/2 cup chopped red    

onion 14 oz. beef broth 26 oz. can Neuman’s Own Sockarooni 16 oz. package frozen mixed vegetables 1 cup water

where was rosemary?

Recipe courtesy of Rebecca Johnson

Preparation Instructions George Marston House Museum 3525 7th Ave. San Diego, CA 92103 Winner Susanne Bennett El Cajon, CA

1. Cook beef and onion in a large Dutch oven over medium-high heat until browned, stirring to crumble. Drain, if necessary, and return beef mixture to pan. Stir in broth and remaining ingredients; cover and bring to a boil. Uncover, reduce heat, and simmer 15 minutes.

Yield: 8 Servings (Serving size about 1 cup) Cal. 191

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 The average car uses 1.6 ounces of gas idling for

one minute. Half an ounce of gas is used to start the average automobile!

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

bravo & mia bites 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.

useless knowledge

"If you pick up a starving dog and make him prosperous, he will not bite you; that is the principal difference between a dog and a man."

- Mark Twain

botanical name: Chorisia speciosa common name: Floss Silk Tree Likes: Full Sun Hates: Standing Water Blooms: Pink, White/Near White Negatives: Trunk has spines Note: Tree is deciduous

“I cultivate my garden, and my garden cultivates me.”

-

Robert Brault

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 ld Shirt, Jeans

Sweatshirt or Socks to Coffee Sleeves How To At: pinterestinreallife.blogspot.com/2012/01/catching-up-on-christmas.html

How To At: chicagoparent.com/crafts/coffee-sleeve

From Trash to Treasure

What You’ll Need        

Small size sweatshirt Soccer socks or Christmas socks Old button down shirt Old jeans Scissors Buttons and or felt for embellishment Fabric glue A sewing machine for the jean sleeve

How To At: www.createcraftlove.com/2013/06/no-sew-coffee-sleeve.html

podsibilities

books or blogs

I’m showcasing a San Diego County Once again native.

Mandolinist, Chris Thile. When I heard this cd my jaw dropped. As a mandolin player myself I was simply amazed at how easily he makes this transition to full on classical music. A mandolin virtuoso and composer, a multiple–Grammy Award winner and a MacArthur Fellow, Thile has long been known as an audacious improviser and a tireless collaborator whose work has incorporated bluegrass, folk, rock, jazz, and classical elements.

Take a listen here: youtu.be/j3lH_Tevw5o

techalicious

The Logitech Wireless Solar Keyboard K750 makes battery hassles a thing of the past, even indoors. The keyboard connects automatically via a 2.4GHz wireless unifying receiver, and the solar battery will stay charged for up to 3 months, even in total darkness.

bits and pieces

I have

always had the opinion that things are not as important as people. Yet as I scoped out The Things That Matter at my local Barnes and Noble I was intrigued by Nate Berkus’ philosophy of that the things in our home really do matter. Especially after being pulled into the story of Chris Gardner (The Pursuit of Happyness) while standing in the store. Inside it’s pages you will not only find Nate Berkus’ very personal story, but the in-depth personal information about people he has worked for, their treasures, and the stories behind them. What I appreciate most about Nate’s design style is the spaces he creates tells the world who the inhabitant is and he does it beautifully. I purchased this as an e-book, to save space in the wee humble cottage, however, I recommend purchasing it in hardcover as a coffee table book.

You will find that this coffee table book is not only stunningly done but also a wonderful read.

What impact Do you want to leave on the people you love?

ingenious pipe dream

A length

From Marcandangel.com

ponderings

Source: BHG.com

of PVC pipe is a hardware-store staple that can transform your dresser storage. Buy a length of pipe about 2-3 inches in diameter.

Select pipe that has thinner walls, which is easier to cut and usually cheaper. Measure the height of your drawers and cut the pipe accordingly.

Line a drawer with the pipe pieces and place rolled up stockings, leggings, and scarves inside the pieces.

SD Sports Now You Know In 1960, the Chargers started out in Los Angeles, before moving to San Diego after one season. They were one of the eight charter members of the AFL.

sd outdoors

2013-2014 SCHEDULE DECEMBER Date

Opponent

Time

Dec. 8

NEW YORK

4:25 pm

FOX

Dec. 12

at Denver

8:25 pm

NFL

Dec. 22 at Oakland

4:25 pm

CBS

Dec. 29 at Kansas City

4:25 pm

CBS

Dec. 1

CINCINNATI

4:25 pm

Network

CBS

Home games shown in BOLD

the holidays in san diego word search

park exploration

Surfing Santa SD Zoo Jungle Bells Sugar Plum Fairies Pet Parade Toyland Parade The Grinch ounty Park C Starlight Parade December Nights Big Bay Balloon Parade ito gu ie D an S anta Fe Drive S Sea World Fireworks Caroling Parade of Lights as om L 8 2 16 2014 Legoland Snow San Diego Mother Goose Parade Ice Skate By The Sea Del Mar, CA 9 SoNo Park Holiday Fest Whale Watch Christmas Lights 6 8 3 858-755-2 co.san-diego.ca.us/parks/picnic/sandieguito.html Find the answers at www.LivinInSD.com/ws

wildfire preparation

S

eptember is the unofficial start for California's Wildfire Season, and we are already ahead of schedule with over 11 fires burning as I write this article. More than 7000 firefighters are actively battling blazes that stretch over 100,000+ acres. According to the Cal Fire (m.fire.ca.gov) there have already been 4700 fires in California, which is 1300+ above the state average. The national wildfire preparation level was just raised to Tier 5, the highest tier possible, for the first time since 2008. www.cdfdata.fire.ca.gov

nitty gritty $300,000. You need to review your home policy and see if you have 'Extended Replacement' coverage for at least 25%. In this example you would have an additional $75,000 to cover those increased costs due to labor and material price increases or $375,000.

You need to be prepared for disaster. Have a plan in place so even if you and your family are separated, you know how to get in touch with each other. If possible, have a friend or relative in a different state whose phone service is not affected by the fires as your contact person. Have lists of medications, pet supplies, elder care items and non perishable food prepared. Family photos are the one thing you cannot replace; I now store my photos on the 'cloud' and have a backup hard drive as well. You can even transfer negatives and slides into digital files.

Carry a case of water in your car's trunk...you need much more water than you think. You will need a minimum of 2 quarts of water a day per person and one quart per day per pet, just for drinking water. You need an additional gallon per day, per person for toileting, etc. Have a minimum 3-day supply of water, with an optimum amount of two weeks. (I lost my home in the 1994 Northridge earthquake, and we didn't have potable water for almost 6 weeks. You need more water than you think.) If you no

2003 and 2007 were two of the worst fire seasons in California.

In October 2003 there were over a dozen wildfires burning simultaneously, consuming over 280,000 acres with 15 fatalities.

In 2007 over 500,000 acres burned, 1500 houses were destroyed, and 9 people died. Since that time we have not had a major fire season. Thus the chapparel and brush have had six to 10 years to grow back. Add in over 6 years of drought and you have plenty of bone-dry tinder to ignite. Toss in the hot Santa Ana winds, and you have the makings of disaster.

It's no longer a question of "if"; it's now a matter of "when" and where the fires will start.

This leads to a discussion about fire insurance policies. I tell people to shop coverage, not price. Not all policies are created equal. I have three different types of home insurance, each appropriate for a certain client. The more basic DP3 dwelling policy I can offer does not have all the bells and whistles my Next Generation policy has. As a result the prices on each are vastly different. You need to sit down with your agent and review your coverages on an annual basis.

longer have a landline you need to go to www.ready.gov and register your cell phone for the automated reverse-911 evacuation calls. www.emergency.cdc.gov and www.ready.gov have lists to help you prepare. There's even an 'app' for that...

Every area has its particular brand of natural disaster. Fire is one of ours, and the best thing you can do is be prepared.

In general a standard home policy is created for a 'single event' Preparation before an event gives you the emotional and mental claim --- meaning only one house burns down. But in a wildfire, space to be calm in the midst of chaos. many houses, sometimes entire neighborhoods, burn, which creates a new economy --- everyone fighting for the same materials and labor. Costs rise, and you may find yourself without sufficient coverage.

Look at the "Dwelling" section of your home policy, which states how much money there will be to rebuild your home. Let's look at a 2000 square foot house. If your home costs $150 per square foot to rebuild, you need to have a minimum coverage of

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’ insurance‌and being properly insured. She can be reached at: 858 751 0956 or at sromo@farmersagent.com

sd concerts

Itzhak Perlman

Irish Christmas In America

Slaid Cleaves

11/10 Makana Location: Normal Heights Price: $20-$47 Time: 7:30 pm Sunday Info: amsdconcerts.com

12/20-22 Holiday Pops Location: San Diego Price: $20-$85 Time: 8:00 pm Fri (2:00 pm Sat) Info: sandiegosymphony.org

1/12 Nadir Khashimov, violin Location: The Auditorium at TSRI Price: $5-$30 Time: 3:00 pm Sunday Info: ljms.com

11/16 Slaid Cleaves Location: Normal Heights Price: $20-$47 Time: 7:30 pm Saturday Info: amsdconcerts.com

1/1 Salute To Vienna Location: San Diego Price: $25-$85 Time: 2:30 pm Info: sandiegosymphony.org

1/17 Alisa Weilerstein & Inun Barnatan Location: Sherwood Auditorium Price: $30-$80 Time: 8:00 pm Friday Info: ljms.com

11/29 Irish Christmas In America Location: Normal Heights Price: $15-$49 Time: 7:30 pm Friday Info: amsdconcerts.com

1/11 Itzhak Perlman Location: San Diego Price: $30-$100 Time: 8:00 pm Saturday Info: sandiegosymphony.org

1/17-18 Ballroom With A Twist Location: San Diego Price: $20-$85 Time: 8:00 pm Info: sandiegosymphony.org

12/6-8 Beethoven’s Ninth Location: San Diego Price: $25-$101 Time: 8:00 pm (2:00 pm Sunday) Info: sandiegosymphony.org

1/12 Perlman Plays Beethoven Location: San Diego Price: #30-#106 Time:2:00 pm Sunday Info: sandiegosymphony.org

1/31 Patti LuPone Location: Balboa Theatre Price: $27-$87 Time: 8:00 pm Friday Info: ljms.com

12/7 Haochen Zhang, piano Location: La Jolla Price: $30-$80 Time: 8:00 pm Saturday Info: ljms.com 12/13-15 Bronfman Plays Beethoven Location: San Diego Price: $20-$96 Time: 8:00 pm (2:00 pm Sunday) Info: sandiegosymphony.org 12/15 Cris Williamson Location: Normal Heights Price: $22-$49 Time: 7:30 pm Info: amsdconcerts.com 12/16-17 Great Russian Nutcracker Location: San Diego Price: $30-$90 Time: 7:30 pm Info: sandiegosymphony.org

front porch pickin san diego music from classical to bluegrass

domiciles

Fabulous Opportunity · City Heights · $329,000 3 Bedroom 1.5 Bath · 1114 Sq. Ft. · 619·405·7673

Prime View Lot · Rancho San Diego · $436,000 3 Bedroom 3 Bath · 1439 Sq. Ft. · 619·405·7673

Charming Home · Allied Gardens · $475,900 2 Bedroom 2.5 Bath · 1570 Sq. Ft. · 619·405·7673

Gorgeous Remodel · College Area · $575,000 3 Bedroom 2 Bath · 1782 Sq. Ft. · 619·405·7673

Cedros Design District · Solana Beach · $1,395,000 4 Bedroom 2.5 Bath · 1643 Sq. Ft. · 619·405·7673

Live Above It All · La Jolla · $1,450,000 4 Bedroom 2.5 Bath · 3059 Sq. Ft. · 619·405·7673

from east county to the coast

Stunning Home · Spring Valley · $439,900 4 Bedroom 3 Bath · 1667 Sq. Ft. · 619·405·7673

Walk to Beach · Crown Point · $439,000-$469,000 2Bedroom 2 Bath · 1100 Sq. Ft. · 619·405·7673

Custom Built · Mt. Helix · $850,000 5 Bedroom 3.5 Bath · 3123 Sq. Ft. · 619·405·7673

Sycamore Ranch · Fallbrook · $957,000 3+ Bedroom 3 Bath · 3214 Sq. Ft. · 619·405·7673

Gated Community · Carmel Valley · $2,399,000-$2,499,000 5+ Bedroom 5.5 Bath · 4982 Sq. Ft. · 619·405·7673

Meadow Views · Rancho Santa Fe · $2,450,000-$2,550,000 5 Bedroom 5.5 Bath · 5219 Sq. Ft. · 619·405·7673

X SOLD · Del Cerro · $25,000 livininsd.com

SOLD · Imperial Beach · $290,000 livininsd.com

Looking For · $500K · 3BD/2BA Single Family Home · San Diego Area

very home is a masterpiece

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

San Carlos · Starting at $425,000 livininsd.com

PENDING · Poway · $549,900 rollinglendrive.com

SOLD · Santee · $236,000 livininsd.com

Looking For · $450K · 3+BD/2BA Single Family Home · Chula Vista

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

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