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S@N DIEGO COUNTY’S

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Millicent

and Company Salons

MEGAN MCGHEN Hair Stylist

619·464·3166

4695 Palm Avenue · La Mesa · CA · 91942

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

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

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

COMPLIMENTARY CONSULTATION & FINANCIAL REVIEW

FROM THE FRONT PORCH JOURN@L m[y/jun_ ]ontri\utors:

Front Cover Photography istock by Getty Images

The Real Estate Brief A Note from Rosemary: Rosemary Joles Mortgage Memo: Carolyn Plummer Home: Lisa Vasey San Diego Adventure: Rosemary Joles Travel San Diego: Barbara Allen Voyage the Globe: Beth Taylor Big Laguna Lake Photo: The Late Bloomer Hiker Bravo and Mia Bites: Todd Joles Books or Blogs: Todd Joles Podsibilities: Todd Joles Technaholics: Todd Joles Ingenious: Rosemary Joles Nitty Gritty: Susanne Romo Copyright © 2014 From The Front Porch Journal


contents

M@Y/JUNE

^_p[rtm_nts

2014

7

14

17 From the Front Porch Journal Published by and compliments of:

Rosemary Joles Realtor, Cal BRE # 01095314 619·405·7673 Homes@LivinInSD.com www.LivinInSD.com 8277 La Mesa Boulevard La Mesa, CA 91942

Follow our blog at: LivinInSD.com Like us on Facebook at: Facebook.com/LivinInSD Follow us on Pinterest Pinterest.com/rosemaryjoles/

4 the real estate brief a note from rosemary carolyn’s mortgage memo 5 home curb appeal alert 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 -strawberry sorbet 10 big laguna lake 12 minutia useless knowledge bravo and mia bites rosebud’s garden -spathodea campanulata 13 upcycle trash to treasure -benches 14 bits and pieces ponderings podsibilities technaholics ingenious 15 sd outdoors sd sports park exploration -golden hill park sd word find -san diego summer fun 16 nitty gritty critical insurance 17 sd concerts front porch pickin’ 18 domiciles from east county to coast


the real estate brief a note from rosemary J

ust like a house is not a home until you put the people within it. So it is with this county. Yes, we live in the most perfect climate there can be, but it’s the people of San Diego County that make up its flavor. In my daily walk as a real estate agent, I get the privilege of meeting some of San Diego’s finest residents. Such was the case one beautiful, April Sunday, when I was invited by a friend to view the gardens of Sue and Dick Streeper. Unless you are a rosarian or a member of San Diego’s Rose Society, you may have never heard of the Streepers. A lovely gracious couple who have lived in their El Cajon residence for 51 years. They have transformed their back yard into an oasis of roses along with numerous other plants to create a space that is not only peaceful, but made us want to sit all afternoon with a glass of lemonade and enjoy the fruits of their labor. Dick has helped many a San Diegan tend to their rose’s with his Annual Rose Guide that was published in San Diego’s Union Tribune. However, what Dick is most known for, is he was the creative force behind the creation of the beautiful rose garden at our very own Balboa Park. The Inez Grant Parker Memorial Rose Garden is located just across Park Blvd from the large fountain in front of the Science Museum. Twice a week, a core group of 15-20 rose society members help maintain it so that the rest of us San Diegans can literally stop and smell the roses. So there you have it, the proverbial rest of the story as Paul Harvey would have put it. If you want to learn about rose gardening I would suggest checking out the Rose Society, you can find them on the web at sdrosesociety.org. To Dick and Sue Streeper, thank you for the beauty that you have brought to San Diego county. It was an honor to meet both of you and to view your delightful rose garden.

carolyn’s mortgage memo adjustable rate mortgages on the rise again

A

djustable rate mortgages (ARMs) have been very unpopular in recent years. The perception was that rising payments on ARMs contributed to the rise in foreclosures and short sales. However, as 30 year fixed rates and home prices continue to increase, more borrowers are considering this option. Here are some things to consider before choosing between a 30 year fixed rate and an ARM: 1. Ask yourself how long do you plan to be in this home. If you plan to only be in this home for a few years you are more likely to benefit from a low-rate ARM than someone who plans to stay in the home for as long as 30 years. Adjustable Rate Mortgages have initial rate periods that vary from 3, 5, 7 and 10 years. Depending on which term you choose, you are guaranteed that rate for that initial term. After that initial period the rate can adjust yearly. And since it is hard to predict the future, that is where the risk comes into play. 2. Be comfortable that you can make your loan payments on the fully adjustable rate after the initial rate period. The lender must disclose to you the maximum interest rate and the payment for the ARM options. The shorter the term of initial rate on the ARM the lower the rate, but the higher the risk. Discuss with your mortgage professional the different rates, terms, interest rates caps and payment caps. 3. If you want the stability of a fixed rate, consider cost saving alternatives. You always have the option to buy down the rate with "discount points" at closing. This is a dollar cost associated with a rate. One "discount point" equals one percent of the loan amount. Again, depending on the how much of a discount point it costs for the lower rate and how long you plan to be in the home it may make sense to pay the cost. It is important to balance the low initial payments with the potential risks. A mortgage professional, such as myself , can help you to do this. Please contact me today to see if an ARM is the right option for you. 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# 256447, and am licensed to originate mortgage loans in the State of California.

T

he most expensive home that sold in San Diego County in the month of April is this Street of Dreams 2001 residence in La Jolla. Featuring 5 bedrooms, 5.5 baths. The 6448 sq. ft. home is located on a .22 acre lot was designed by Island Architects. The buyer paid $5,620,000.

Until next time– blessings from our wee humble cottage home to yours.

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


home

curb appeal alert

I

t’s Spring! Although we’ve had a very mild winter here in Southern California, this time of year has such a feeling of renewal…the flowers are in bloom and the air is fresh. This is the perfect time to refresh your home, and one of the best places to start is with curb appeal. First, step back and take in the whole picture. It’s a good idea to actually take a photo from the opposite side of the street – this is a great way to view your home with a fresh perspective and as others see it. We often overlook, or grow accustomed to, areas that may need attention. Are there spots of peeling paint? Cracks in the driveway? Uneven walkway? Do you have any flowers? If so, are they well-maintained, or do they need some attention? The first order of business is to make any repairs that are necessary. If the house is in obvious need of a paint job, this is the perfect time to do it. Although painting the exterior may be more expensive than other changes, it’s vital to preserving your investment. Paint helps seal out water, and protects from dry rot. In the long run, paint is one of the least expensive ways to help protect your house. If the facade is in good shape, you can focus on other small, yet impactful changes. One of the quickest and easiest changes is to paint just the front door a contrasting color. This is a great way to draw attention to it, and make the entry more inviting.

Photo Credit: bhg.com

Take your lessons from this home. Brushed nickel numbers and light fixture. Greenery softens the hard edges. Door in a contrasting color. Rocking chairs with complementary pillows invite you to have that much needed summer lemonade. It all adds up to great curb appeal.

Replacing exterior lighting is another great way to update the home. There are a wide variety of choices at home supply stores that are beautiful AND budget conscious. Be sure to select something that is keeping with the architectural style and scale of your home – it should be 1/3 the height of the front door if there’s only one fixture, ¼ the size of the door if there are two lights (one on either side.)

What about the house numbers? Can you read them from the street? Selecting numbers that match the finish of your new lighting will provide a coordinated look. If the mailbox is attached to the front of the house, be sure to update this as well. And don’t forget the doorbell! It may seem like a small detail, but all of the bits and pieces add up to a totally new look.

After focusing on the building components, it’s time to soften the hard edges. There’s nothing more inviting than something colorful near the front door – either potted flowers or a colorful pot or two with drought-friendly plants will brighten the area immensely. If there’s room for seating in the front, chairs or a bench with colorful cushions will pull the look together. Imagine having a nice, cold lemonade outside on a hot Summer day, or relaxing with a book. Last, but not least, purchase a new welcome mat and enjoy welcoming your guests and walking into your cheery home! Lisa Vasey, lives in La Mesa with her husband and two pugs. When not staging or redesigning, Lisa likes to try new restaurants and recipes, travel, read, and enjoy live music. You can find Lisa on the web at stagedtodaysoldtomorrow.com. Need redesign or staging help reach out to Lisa at 619.335.8550 or email her at lisa@stagedtodaysoldtomorrow.com.


lifestyle experience sd theatre Lamb’s Players Theater lambsplayers.org

The Old Globe theoldglobe.org

Off Broadway Live offbroadwaylive.com

Twelfth Night May 23-June 29

Vanya and Sonia and Masha and Spike May 17-June 22

Decades-The 50’s April 11-May 30

Boomers 2014 June 14-July 29

Dog and Pony May 28-June 29

You Must Remember This June 13 & June 14

Othello June 22-July 27

Heavenly Grind June 20-August 23

Les Miserables July 18-Aug 24 The Coronado Playhouse coronadoplayhouse.com Sleeping Beauty or The Famous Rose Taboo June 12-June 22 Romeo and Juliet June 27-July 20 San Diego Rep drep.org San Diego Jewish Arts Fest 2014 May 20-June 18

San Diego Adventures June/July Air Show San Diego June 7-8 ag1caf.org/airshow/

Fourth of July Celebration July 4 livininsd.com/san-diego-fireworks-fourth/

Old Globe Shakespeare Festival June-Sept. oldglobe.org

Festival of the Bells July 18-20 festivalofbells.com

Rock ‘n’ Roll Marathon June 1 runrocknroll.competitor.com Photo Credit: equinometry.com

San Diego County Fair June 7-July 6 sdfair.com

61st Annual World Championship OTL July 12-13 & 19-20 ombac.org

Loews Coronado Surf Dog Competition June 22 Loewssurfdog.blogspot.com

Del Mar Racing July 18-September 3 dmtc.com

La Jolla Festival of the Arts June 21-22 lajollaartfestival.org San Diego Symphony Summer Pops June 28-September 1 sandiegosymphony.org

Comic-Con International July 24-27 Comic-con.org Photo Credit: Loews Coronado


travel san diego mt. helix park and amphitheater By Barbara Allen

F

ollow a curving one-way road, outlined by low, handcrafted stone walls, to Mt. Helix Park in La Mesa. As you climb higher and higher, circling the mountaintop, houses fall out of sight below you and breathtaking distant vistas appear. Enter through the gates and make the final journey to the top and a small parking lot. In front of you, the concrete and stone amphitheater spreads out like an immense fan. Here you can attend lecture series, musical performances, and special events. As you climb the cement steps of the amphitheater and follow a path through rock walls, butterflies flit gracefully about you in the noon-day sun. At the pinnacle of the mountain stands an impressive white cross. Looking west, take in the views of downtown San Diego. Off in the distance, Point Loma juts out into the glimmering blue Pacific through the haze. To the left, you can make out the Coronado Bay Bridge and beyond it to the south, the peaks of the Coronado Islands, off the coast of Mexico, rise through the mist like a mirage. A gentle breeze rustles the leaves of the towering eucalyptus trees along the Yawkey Trail that faces north. From here view the peaks of Mt. Woodson, Palomar Mountain, El Capitan, and Cuyamaca Peak. Mt. Helix Park was created as a memorial to Mary Carpenter Yawkey, by her children Cyrus Yawkey and Mary Yawkey White who owned the property. Their mother often would climb to the summit to take in the natural beauty of the scenery. Construction of the park began in 1924 and was completed in 1925. Arrive before daylight as the gate opens at sunrise, and watch as the sun ascends above the horizon to the east above Viejas Mountain, Sycuan Peak, and Lyons Peak. Enjoy power yoga classes on Monday, Wednesday, and Friday mornings at 9 a.m. Pack a picnic lunch or stop at a local fast food restaurant, if you only have a short break, and sit at one of the several picnic tables among California native plants and nibble away as you take in the panoramic vistas before you. On a recent evening, amateur astronomers enjoyed star-gazing during a special event co-hosted by Mt. Helix Park and the San Diego Astronomy Association. Other recent events included lectures on landscaping using California native plants and Easter Sunday services. This summer the Christian Youth Theater troupe will perform Les Miserables in the amphitheater. The park is located at 4905 Mt. Helix Drive and is open from sunrise to sunset. It is also available to rent for weddings, memorials, or other special events by any nonprofit organization.

All photos courtesy of Barbara Allen

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.


family corner voyage the globe

What could be more fun than a cruise on the Mississippi?

Photo credit: maritime-executive.com

the river cruise phenomenon

See Paris on the Seine...Ooh La La

true comfort and style. Although Europe is still the number one market for river cruising, cruise companies have now added options to Asia, Africa, the Amazon, and throughout the U.S. where you can book sailings on the Mississippi, Ohio, Columbia and Hudson Rivers, among other waterways. Whether you want to stay closer to home, or venture to a destination far away, a river cruise is truly one of the best travel values available today! Beth Taylor is a local travel consultant who has been in the travel industry for over 30 years. She specializes in group and family travel. Her experience has taken her to places around the world. She’d love to help you plan your own unique vacation or simply “talk travel” with you! She can be reached at TMTravel@cox.net or 619-303-8771. Visit her website at BethTaylorMadeTravel.com for more tips about travel and some of the latest travel specials

Photo credit: traveltroll

are always asking me, “What’s the latest and greatest P eople thing in travel these days”? Without a doubt I’d have to say it’s a river cruise!

out of the mouths...

In recent years river cruising has evolved into a unique, all-inclusive vacation option offering destinations around the world to clients of all ages. It’s the fastest growing segment in the travel marketplace today. It offers all the convenience of a floating hotel, as well as excellent food and wine, warm and friendly service, and the peace of mind that comes from not having to worry about a thing. River cruising is a very intimate vacation experience. Scenery envelopes you with every twist and turn as you sail down the river, visiting cities which are the heart and soul of the country. The experience will immerse you into the culture of the area through the places you visit, the foods you eat and the entertainment and education that the ship provides. First-time visitors find that it’s a quaint and leisurely way to experience multiple cities and countries. For people who have already been to the area it provides a refreshing and unique perspective beyond the usual “must-see” sights. One of the greatest advantages to this type of trip is that virtually everything is included…transportation, accommodations, food, drinks, shore excursions, port charges, entrance fees and tips. Some even include a pre or post cruise hotel stay. Accommodations are spacious and comfortable with modern bathrooms. Most have Wi-Fi and entertainment systems in every room. The dining features impeccable cuisine and great service. It’s one of the most enjoyable ways to experience the world in

"Daddy, did your hair slip"

-3 year old son, to

his bald but long bearded father

front porch wisdom The only disability in life is a bad attitude. -scott hamilton

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 facebook.com/LivinInECSD.

et cetera

Strawberry Sorbet Ingredients

   

1 lb ripe strawberries chopped 1/2 to 3/4 cup sugar 1 Tab fresh lemon or orange juice 1 Tab Kirsch, Vodka, Grand Marnier or Triple Sec (for softer freeze)

Photo and recipe: ezrapoundcake.com

delish

Preparation Instructions

where was rosemary? Brick Row on Heritage Square 909 A Ave. National City, CA 91950 Winner Clariece Tally National City, CA

1. 2. 3. 4. 5.

Purée your strawberries in a blender or food processor. Strain the purée through a fine mesh sieve to remove the seeds (if you want). Stir in 1/2 cup sugar, lemon juice and vodka. Taste and add more sugar, if necessary. When the sugar has dissolved, chill the mixture for at least 2 hours. Pour the mixture into your ice cream maker, and churn according to the manufacturer’s directions.

6. Transfer the sorbet to a container, seal it, and freeze it for a few hours, until the sorbet firms up.

7. Before serving, set the sorbet on the counter at room temperature for about 15 minutes to soften. It’s best eaten the same day you make it, so dig in. Makes approx. 5 1/2 cup servings.


How little note is taken sheet-music of the winds, or ways of the clouds, those w And what record is kept o

—John of th


of the deeds of nature! What paper publishes her reports? .... Who publishes the r the written music of water written in river-lines? Who reports and works and wondrous creations coming into being every day like freshly upheaved mountains? of nature's colors - - the clothes she wears - of her birds, her beasts - her live-stock?

he Mountains: The Unpublished Journals of John Muir, (1938) p. 220.


minutia The first product Motorola started to develop was a record player for automobiles. At that time, the most known player on the market was Victrola, so they called themselves Motorola. Todd Joles is now known as Mr. Useless Knowledge, 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

useless knowledge

Maybe you've been looking for love in all the wrong places. A dog will treat you better than anyone you'll meet at happy hour. Trust me. I've been to happy hour.

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

botanical name: Spathodea campanulata common name: African Tulip Tree Likes: Full Sun to Partial Shade Hates: Overwatering Blooms: Red, Red-Orange, Yellow Note: Drought-tolerant, Fire-retardant, Attractive to bees, butterflies and/or birds

Gardening is cheaper than therapy and you get tomatoes... To see more about SD plants go to: 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

headboard becomes a bench. Wow…..

3/4 size bed from the 1800’s used. Here the footboard has already had the wood applique removed and the foot board has been cut in half to create the “arms” of the bench.

From Trash to Treasure     

Headboard Pallet Paint 2x4’s Screws

Photos and project at: pollyanna-reinvents.blogspot.com/ For more headboard to bench ideas go to livininsd.com/


podsibilities

technaholics

Steve

Earle releases his highly anticipated follow up to the Grammy Award-winning album Washington Square Serenade, via New West Records. The 15-song set is comprised of songs written by Earle's friend and mentor, the late singer-songwriter, Townes Van Zandt. When speaking about Townes, Earle stated, "This may be one of the best records I've ever made." The album features such guests as Tom Morello of Rage Against the Machine/The Nightwatchman, Steve's wife and acclaimed singer-songwriter Allison Moorer, Dennis Crouch, Tim O'Brien, Darrel Scott, Shad Cobb and Steve's son, Justin Townes Earle. Take a listen: youtu.be/oaR7JZIinNk

books or blogs

The

Pagan Lord is the 7th book of the Warrior Chronicles/Saxon Tales on the making of England and the tale of Uhtred of Bebbanburg. Uhtred, once Alfred’s great warrior, must lead a band of outcasts north to recapture his old family home, that great Northumbrian fortress, Bebbanburg. Will Uhtred regain his family’s legacy or will he die in the attempt.

Automatic

has been coined the smart driving assistant. It is the automatic link between your car and your smart phone. Available in both Android and Apple platforms, it works on just about every car or truck produced since 1996. With an MSRP of $99 this little device plugs into your diagnostic port and lets you monitor everything from fuel consumption to remembering where you parked to check engine light diagnostic trouble codes. This device and app can help teach you better driving habits and fuel consumption by monitoring your speed, acceleration, braking and driving habits.

Website: automatic.com/ Video at: youtu.be/_AyXNeRbpRk

Loyalties will be divided and men will fall to axe and sword, as every Saxon kingdom is drawn into the bloodiest battle yet with the Danes; a war which will decide the fate of every king, and the entire English nation.

bits and pieces ingenious

If

homemade freezer pops

Source: buzzfeed.com

zipzicles.com

From Marcandangel.com

ponderings

you have ever been a child, have a child, have a grandchild or know someone with a child, well then you know that ice pops are the best thing ever invented to cool you down on hot summer days. However, if you look at the labels on the ones you find at your local grocers, you’ll be more than a little concerned about what's inside those little ice pops. But no worries now, you can do a healthy version of ice pops with zipzicles! Zipzicles are reusable zipped packages that sell for just $2.99 per dozen. Can we say yeah for healthy and being kind to the earth! You can find recipes and buy them at:

What’s One mistake You will never Make again?


SD Sports June SUN CWS 11:10 Wsh 1:10 Nym 10:10 LAD 1:10 Ari 1:10

MON

1

PIT 7:10

8

15

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29

2

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Sea 7:10 Sf 7:15 Cin 7:10

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july TUE Pit 7:10 Phi 4:05 Sea 12:40 Sf 7:15

3

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WED 4

Pit 3:40 Phi 4:05 Sea 7:10 Sf 12:45

THU

11

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25

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Phi 9:35 Sea 3:40

12

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FRI Wsh 7:10 Nym 4:10 Lad 7:10 Ari 7:10

SAT 6

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Wsh 7:10

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Lad 7:10

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TUE Cin 7:10

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Sf 1:10 Lad 1:10

7

Col 5:40

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Nym 1:10

27

Atl 10:35

sd outdoors

MON

7

Nym 1:10

Ari 7:10

SUN

Atl 9:10

28

Col 5:40

1

8

WED Cin 12:40 Col 12:10

15

Stl 7:10

22

29

2

9

Chi 5:05 Stl 7:10

23

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HOME GAMES 路 PETCO Park

FRI

3

Lad 7:10

16

All-star game

Chi 5:05

THU

17

Chi 5:05

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Sf 3:40

10

Lad 7:10

SAT

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NYM 7:10

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Atl 4:35

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Stl 12:40

Road Games

k Golden Hill Par ill Drive H n de ol G 6 2590-259 10 92 2 San Diego, CA 7 路 sandiego.gov 619.268.630

photos credit: rosemary joles

park exploration

Horse Racing Movies in the Park Summer Pops Air Shows Sicilian Festival Comic Con

Surfing Dogs Festival of Arts Concerts in the Park Over the Line Beach Lounging Fireworks

Find the answers at www.LivinInSD.com/ws

12

Nym 5:40

san diego summer fun word search

Surfing Boogie boarding Concerts on the Bay Picnics Fishing County Fair

5

Sf 4:15

26


critical insurance

T

he most critical insurance policy you can have but very few people are aware of is an umbrella policy. It is generally inexpensive (2 cars, 2 good drivers, 1 home = $236/year +/-). Here’s the example I use with my clients to explain why this policy is so critical:

Last night on your way home your brakes failed. You ran a red light and T-Boned a mini-van. No one died, but the driver can no longer work. You did not hit a neurosurgeon. You hit a 35 year old who earns $30,000 a year. She can no longer work. The problem is this: Will her family say "Don't worry, we will make do"…or are they going to get an attorney and try to get everything they can? We live in a litigious society, and chances are they want what you own. You are at fault, you have taken income from her family, and this needs to be replaced.

nitty gritty We are only talking income replacement in this example. We haven’t even talked about medical costs, pain and suffering or loss of consortium. Yes, you can sue for loss of ‘companionship’. There is a solution to this problem, and it is shockingly affordable. My suggestion to my clients is to bump BIPD from 100/300/100 to 250/500/100. The way you do this without incurring an increase in your premium is to raise your collision deductible from $500 to $1000. You take care of the extra $500 if you are at fault in an accident or your car is subject to a hit-and -run....but now you have $250,000 instead of $100,000 of coverage, and you qualify for an umbrella policy.

Would your household be able to handle the repercussions of an accident like this? Do you have adequate coverage? I often see homeowners carrying BIPD (Bodily Injury Property Damage) of 100/300/100. What this means is your insurance company will pay out up to $100k per person for bodily injury, and 300k for the entire accident if more than one person is injured. But the maximum any one person can get is $100k. In this example you have taken 30 years of income at $30,000 a year away from her family, or $900,000. Your policy will pay the first $100,000, but the rest is on you. Do you have a house? Does it have equity? Not anymore! Even if there is no equity, they will put a lien on your property and when you finally sell it, the equity goes to her family. Retirement plans are generally exempt, but wages and self-employed income can be garnished up to 25%.

In this example, the insurance company would pay the first $250,000 of the $900,000. At this point the auto policy is 'exhausted' and the $1 million personal liability policy would kick in and pay off the rest of this $900,000 claim. If you have more assets or if the claim is for more, you may want to look at higher limits. Sit down with your agent and find out what your coverage's are. Ignorance is not a defense in the eyes of the law. There really is a difference between having insurance, and being insured. Shop coverage, not price. Susanne Romo, LUTCF has been working in insurance since 1986. Her passion is showing her clients that there can be a vast difference between just ‘having’ insurance…and being properly insured. She can be reached at: 858 751 0956 or at sromo@farmersagent.com


sd concerts

Dave Koz

The Piano Guys

Jewel

HUMPREY’S CONCERT’S BY THE BAY May 09 7:00P

Ingrid Michaelson

Aug 18 7:30P

An Evening with YES

May 13 7:30P

Lindsey Stirling

Aug 22 7:00P

Trombone Shorty & Orleans Avenue/Galactic

May 14 8:00P

Christina Perri

Aug 27 7:30P

B.B. King

May 18 7:30P

Gregg Allman

Aug 31 7:30P

Gipsy Kings

May 24 8:00P

Raphael

Sep 04 6:30P

Retro Futura Tour 2014

Jun 05 7:30P

Danity Kane

Sep 12 8:00P

Chicago

Jun 06 7:00P

Neon Trees

Sep 13 7:30P

Air Supply

Jun 09 8:00P

Il Volo

Sep 19 7:30P

Andrew Bird

Jun 15 7:00P

Matt Nathanson/Gavin DeGraw

Sep 20 7:30P

Herman's Hermits

Jun 26 7:30P

The Piano Guys

Sep 24 7:30P

The Australian Pink Floyd Show

Jun 27 8:00P

Jo Koy

Sep 26 8:00P

Gordon Lightfoot

Jun 29 7:30P

Sarah McLachlan

Oct 05 7:30P

The Beach Boys

Jul 01

7:30P

Steve Martin & The Steep Canyon Rangers

Oct 11 7:00P

Tower of Power/Average White Band

Jul 06

7:00P

Bob Weir & RatDog

Jul 11

8:00P

Ringo Starr & His All Starr Band

Jul 16

7:30P

Chris Isaak

Jul 17

6:30P

Happy Together 30th Anniversary Tour w/The Turtles

Jul 18

8:00P

Jesse Cook

Jul 20

7:30P

Jewel (solo acoustic)

Jul 22

7:30P

Doobie Brothers

Jul 23

8:00P

Lyle Lovett and His Large Band

Jul 24

7:30P

Tori Amos

Jul 30

8:00P

Boston - Heaven On Earth Tour

Jul 31

7:00P

Los Lonely Boys/Kenny Wayne Shepherd

Aug 01 7:30P

Dave Koz & Friends Summer Horns Tour

Aug 05 7:30P

Amos Lee

Aug 11 7:30P

Iron & Wine

Ticket prices and more information at: humphreyconcerts.com

front porch pickin san diego music from classical to bluegrass


domiciles

Vaulted Ceiling Condo · El Cajon · $177,000 1 Bedroom 1 Bath · 664 Sq. Ft. · 619·405·7673

Immaculate Home · Lakeside · $424,900 3 Bedroom 2 Bath · 1302 Sq. Ft. · 619·405·7673

Meticulous Light & Bright · Spring Valley · $485,000 4 Bedroom 2.5 Bath · 1946 Sq. Ft. · 619·405·7673

Morley Field Townhome · North Park · $499,000-$519,000 2 Bedroom 2 Bath · 1316 Sq. Ft. · 619·405·7673

Urban Living · San Diego · $590,000-$620,000 2 Bedroom 1.5 Bath · 1552 Sq. Ft. · 619·405·7673

Pride of Ownership · Rancho Penasquitos · $725,000 4 Bedroom 2.5 Bath · 2137 Sq. Ft. · 619·405·7673


from east county to the coast

Open Floor Plan · Spring Valley · $450,000 3+ Bedroom 3 Bath · 2283 Sq. Ft. · 619·405·7673

FHA/VA Approved Atlas · Hillcrest · $479,000 2 Bedroom 2 Bath · 1121 Sq. Ft. · 619·405·7673

Stunning Remodel · Mount Helix · $579,900 4 Bedroom 2 Bath · 1855 Sq. Ft. · 619·405·7673

Custom Build · Bay Park · $589,000 3 Bedroom 2.5 Bath · 1563 Sq. Ft. · 619·405·7673

Designer Finishes · Del Sur · $795,000-$845,000 3+ Bedroom 2.5 Bath · 2660Sq. Ft. · 619·405·7673

Gorgeous Row Home · Mission Hills · $1,090,000 4 Bedroom 3.5 Bath · 2528 Sq. Ft. · 619·405·7673


X

very home is a masterpiece

SOLD · Lakeside · $260,000 livininsd.com

New Construction · Starting at $400K livininmynewhome.com

Pending · 384,900 · 1/1 livininlittleitaly.info · Little Italy

San Carlos · Starting at $430,000 livininsd.com

SOLD · Fletcher Hills · $458,000 livininsd.com

New Listing · $579,900 · 4/2 livininmthelix.info · Mt. Helix

Marina District · Starting at $350,000 marinadistrict.info

SOLD · $448K · 3 BD/2BA Single Family Home · Mt. Helix

Cash Investor · Any price · No hassles Looking For Fixers · Inherited Homes

Whether you are looking to sell or buy, we have the skills to get the job done right. Find out what our clients have said about us at: livininsd.com/

Rosemary Joles In Harmony With Your Dreams

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


May/June From The Front Porch Journal 2014