June 12, 2025

First Time Buyers of Real Estate Can One Still Buy a Starter Home?

by R.L. “Pete” Peterson

According to a recent article in the Los Angeles Times, home buyers in Southern California must have an annual income of $258,000 to buy a home, making it the fourth most expensive housing market in the United States. That means with 20% down, or $160,000, the new homeowner will have to cough up a monthly mortgage payment ranging from $4,000 to $7,000! Welcome to the Golden State.

Introduction

Southern California’s housing market has long been a beacon of opportunity and aspiration for those seeking a solid long-term investment. It has made many investors rich. However, for first-time homebuyers, the dream of homeownership has become increasingly elusive. A confluence of limited housing inventory and stringent banking regulations has formed a daunting challenge new buyers must fight

through in order to secure a foothold in the market place. While my article doesn’t promise a solution to the myriad of problems that have caused the rise of this multifaceted challenge, I do promise to give an unbiased examination of the issues facing first-time homebuyers in Southern California. Who knows, we might just put our finger on the underlying causes and potential solutions of this situation.

Let’s make one point quite clear.

The most pressing issue confronting first-time buyers is the chronic shortage of available houses that come on the market. That problem cannot be solved without politicians, developers, lending institutions and government agencies coming to an agreement to solve this issue, since they all had hand in creating the problem. Good luck with that one.

Every individual with skin in the game that I spoke with agrees that the supply of starter homes must be

Real Estate from page 1

increased. The most dependable and logical method to assure this happens in building more housing affordable to more potential buyers. This is done by motivating responsible organizations to produce more homes. The problem is few organizations want to make concessions that lets the other guy profit from such action. For years real estate investments – in particular, singlefamily homes – has proven to bring stellar returns on the buck. It’s an economic fact that limited inventory leads to greater demand, which leads to higher prices, and more moolah in the bank account of developers and lending institutions.

Despite slight increases in market inventory in recent years, the supply of affordable houses for sale remains insufficient to meet growing demand. This scarcity has led to bidding wars, soaring prices and the classic, “I’ve got a higher credit rating than you.” This three prong assault – low inventory, higher and higher prices, and the larger down payments this triggers, makes it difficult for the first-time buyer to own a house.

One Cause of Inventory Shortage

According to Investopedia, those

Give Us This Day Our Daily Chuckle

This week, a compendium of wit, wisdom and neat stuff you can tell at parties. Enjoy!

The IRS returned a tax return to a man in New Jersey after he apparently answered one of the questions incorrectly.

In response to question 23: “Do you have anyone dependent on you?”, the man wrote: “2.1 million illegal immigrants, 1.1 million crack-heads, 4.4 million unemployable scroungers, 80,000 criminals in over 85 prisons, plus 650 idiots in Washington, and the entire group that call themselves politicians”.

On the returned form, someone at the IRS had attached a Post-it Note

who own homes now are often hesitant to list their homes due to the prospect of higher mortgage rates on the new property. This phenomenon is known as the “lock-in effect,” and further exacerbates the inventory shortage.

My former Escondido neighbor is a prime example of this. He and his wife where ‘empty nesters,’ their kids grown. “We have too much house now and we’d like to move, but where? Every house we’ve looked at needs work to make it livable for us. Five years ago we could have paid cash on a new home, but the way the market has increased, now we’d have to finance a portion of the purchase price. With interest rates high and going up, I just don’t see how we can sell here and buy elsewhere.” That’s crux of the inventory problem.

Anathigpen.com says that the scarcity of entry-level homes is particularly detrimental to first-time buyers. These properties, often stepping stones into more elaborate or larger homes, are in short supply as we’ve seen. This forces new buyers to compete for the limited number of affordable houses available. This competition often results in bidding wars, which push prices beyond the reach of the average first-time buyers, and drives

beside the question with an arrow and the words: “Your response to question 23 is unacceptable.”

The man sent it back to the IRS with his response on the bottom of the Post It Note: “Who did I leave out?”

Why We Miss Rodney Dangerfield

With my old man I got no respect. I asked him, “How can I get my kite in the air?” He told me to run off a cliff.

My wife is such a bad cook, if we leave dental floss in the kitchen the roaches hang themselves.

I’m so ugly I stuck my head out the window and got arrested for mooning.

My wife’s such a bad cook, the dog begs for Alka-Seltzer.

I know I’m not sexy. When I put my underwear on I can hear the Fruit-of-the-Loom guys giggling.

My wife is such a bad cook. In my house we pray after the meal.

I was such an ugly kid! When I played in the sandbox, the cat kept covering me up.

many potential buyers to the curb.

Bob and Bev Carson wanted to buy a starter house for their daughter, a school teacher who commuted to work forty miles daily. “We found a nice two bedroom, one and ½ bath, just 5 blocks from where she taught. Our daughter loved the house and the neighborhood. We applied for a loan with the bank where we’d our mortgage for years. We were quickly approved. Everything looked great until our real estate agent called telling us if we were serious about the property, we’d have to increase our bid at least $20,000. ‘The lady competing with you told her agent she’s willing to pay whatever it takes to buy that house.’ My husband and I didn’t feel this particular house was worth the bloated price. We dropped out of the bidding. We heard later this rather average home sold $60,000 over asking price.”

Regulations Meant to Help Often Hurt

The Los Angeles Times says banking regulations have led to elevated mortgage rates as well, which have stabilized the financial system, but have made borrowing more expensive for new homebuyers. In Southern California, mortgage rates have hovered around 7%, sig-

I could tell my parents hated me. My bath toys were a toaster and radio.

I was such an ugly baby that my mother never breast fed me. She told me that she only liked me as a friend.

I’m so ugly my father carried around a picture of the kid that came with his wallet.

When I was born, the doctor came into the waiting room and said to my father, “I’m sorry. We did everything we could, but he pulled through anyway.”

I’m so ugly my mother had morning sickness AFTER I was born.

I’m so ugly, I once worked in a pet shop, and people kept asking how big I’d get.

Alcoholic Anonymous has been very successful with it’s 12 step program, and has spawned quite a few similar organizations.

In Texas, there is a Line Dancers Anonymous, for folks addicted to line dancing.

It’s a ‘Two Step’ program.

nificantly increasing monthly payments and reducing affordability for first-time buyers.

Home Stratosphere, says that the post-2008 fiscal crisis regulations have led to more stringent lending standards. While these measures have reduced risky lending practices, and helped financial institutions select more qualified applicants, these same regulations have made it more difficult for first-time buyers, especially those without a long credit history or who can’t afford a large down payment, to qualify for mortgages.

The combination of high mortgage rates and stringent lending standards has resulted in limited access to credit for many potential buyers. This limitation disproportionately affects first-time buyers, who may not have long credit histories, and limited financial reserves. These factors alone may further hinder their ability to enter the housing market.

Home Stratosphere says their research show it takes most time buyers 7 to 12 years to secure a significant down payment account. With most loans demanding at least 20% down, this is a signifi-

Real Estate continued on page 3

If Dracula can’t see his image in a mirror, how come his hair is always so neatly combed?

***

What do you call a line of 10 rabbits marching backwards?

A receding hareline.

***

If people from Poland are called Poles, then why aren’t people from Holland called Holes?

***

If it’s true we are here to help others then are the others for?

***

A DC ‘airport ticket agent’ offers some examples of why the US is in so much trouble!

1. I had a New Hampshire Congresswoman ask for an aisle seat so that her hair wouldn’t get messed up by being near the window. (On an airplane!)

2. I got a call from a Kansas Con-

Chuckles

Real Estate from page 2

cant hurdle. In Southern California, where median home prices are among the highest in the nation, accumulating the down payment is a significant detriment to first time home ownership. When Nancy and I purchased our first home, we both agreed the selling price of $117,000 for a small two-bedroom, one bath house (near an elementary school), seemed not only high, but astronomical. That meant our down payment would be north of $20,000. The house was on a Cul de sac and brand new. Somehow, we pulled it off, I’m not sure how, but miracles do happen.

do Your Research

A year or so ago, Nancy and I sold our 4 bedroom, 3 bath, 3 car garage on a golf course in Escondido and downsized to a 2 bedroom, 2 bath Spanish Revival on a quiet street in Long Beach. Before doing so, we’d investigated remodeling our son’s casita. The price tag was too steep. How about tiny homes? Nope. Any way the kitchen was laid out it would be too small for Nancy Anne’s baking. Where would I create the Great American novel? A tiny home salesperson described his ideal prospect as, “a young couple just starting out, or senior citizens needing a place to store their luggage between travels.”

The home we bought was ‘move in ready,’ but guess what, upgrades and some remodeling was necessary. We fully agree with the assessment of the California Association of Realtors when they say the disparity between income levels and the selling price of the home is a real problem as well.

Money Is Needed for More than Down Payment

These professionals cite examples where frequently new home buyers have the 20% down payment, but are often hit with an unexpected and undisclosed fee, where the lender demands the buyer deposit five or six monthly payments in the bank as assurance that no payments will be missed. This lenders ‘cushion’ incidentally, may not raise its ugly head until escrow fails to close. That was the case with Albert and Ina Rodizios. Albert works from home helping companies solve supply line issues. He nets $155,000 annually. Ina is the primary care for her invalid aunt, with net annual earnings of $33,000. They expected escrow to close on Tuesday. When he’d heard nothing by Thursday, Albert called his bank. He was stunned to hear the deal was dead unless he could deposit five monthly payments –almost $30,000 – by Friday. The sale was saved when Albert’s boss

agreed to advance Albert’s yearend bonus to him in June – but the bank demanded a promissory note from the boss until the cash was deposited.

Mortgage Payments May Be Fifty-five Percent of the family budget

In regions like Los Angeles and Orange counties, a median-income household might well allocate as much as fifty or fifty-five percent of their monthly income to the mortgage. This leaves little room for other expenses and savings, and is much frowned upon by financial planners.

Home Stratosphere says realtors often look the other way when first time buyers turn to family members for financial assistance to raise the down payment or foot the ‘cushion’ bill. Good-naturedly referred to as the “Bank of Mom and Dad,” this support can be invaluable, but is not a feasible option for everyone, particularly in those families where resources are historically tight. This further widens the gap between potential buyers and homeownership.

Wikipedia says the Federal Government recognized the challenges faced by first-time buyers years ago, and that various governmental programs provide financial assistance to many buyers. (These funds may magically disappear under the current administration.)

The California Housing Finance Agency (CalHFA) offers several initiatives, including down payment and closing cost assistance, to help bridge the financial gap for first-time buyers.

California “dream for all” May be a Solution

Innovative programs like California’s “Dream For All” are meant to assist first-time, first-generation buyers to purchase homes, particularly in the suburbs. This program offers shared-appreciation loans to cover a portion of the home’s price, alleviating financial burdens of first-time buyers.

At the federal level, programs such as the Federal Housing Administration (FHA) loans and the Community Reinvestment Act (CRA) aim to increase access to homeownership for low and moderate income individuals. These programs provide more flexible lending criteria and lower down payment requirements, though they still require careful consideration and planning before a new buyer signs on the dotted line.

Addressing the inventory shortage

Estate continued on page 5

Oodles!

Looking for things to do? Places to go?

Check out Oodles every week for listing of civic and service club meetings, and more!

Have an event you need publicized?

Email it to: Lisa.ThePaper@gmail.com

The Paper goes to print on Tuesday morning.

Y O u a RE MORE LI k ELY TO g ET P ub LISHE d I f YO u:

• Submit your press release by the previous Friday.

• Keep It Simple: who, what, where, when, why.

• Send us something we can copy/paste. Please no brochures or flyers. Send a press release.

• Send photos as attachments, not embeded in the document.

Senior anglers Meeting June 13 • 9:30am

The Senior Anglers of Escondido will hold it’s regular monthly meeting at 9:30 am on Friday, June 13th at the American Legion Post 149, E Park Ave, Escondido CA.

The speaker will be Christine Grasinski of the CA Department of Fish and Wildlife Law Enforcement Division - Southern District

This organization manages and protects the state’s wildlife, wildflowers, trees, mushrooms, algae, and native habitats.They are gun-toting lawmen and are responsible for regulatory enforcement, managing recreational, commercial, scientific, and preventing illegal poaching. CDFW wardens are armed law enforcement officers with statewide arrest authority and can therefore enforce any state law anywhere in the state

Vehicles range from patrol pickups to boats, catamarans, four-wheelers, snowmobiles, horses, helicopters, and planes. They investigate, collect evidence, serve search warrants, arrest criminals, and ensure public safety. They patrol the state of California and 200 miles off the coast.

All are invited to attend. Admission is FREE! The meeting starts at 9:30 am so try to come early to get the best seat. If further information is needed, feel free to call Ron C. at 760-214-0196.

Oak Tree democrats Meeting June 16 • 6:30pm

Oak Tree Democrats will have their monthly hybrid meeting Monday, June 16th at 6:30pm in the Oceanside Mission Branch Library Community Room, 3861 Mission Ave, Oceanside, Ca. Ms. Taraneh Sarebanha, the Assistant Executive Director at One Safe Place North County Family Justice Center, will speak about the facilities and programs offered by One Safe Place and answer questions from attendees.

To attend the meetings via ZOOM go to our website oaktreedems.org to register in advance. Please register using the link provided. Registration is not required to attend in person.

The good LIfE at MiraCosta College Oceanside Campus A Lifelong Learning Group

Meetings will be held in person at the MiraCosta College, Oceanside Campus, at 1:00 pm in the Board Room, of the Administration Building (Building 1000) and by the Internet Application ZOOM.

June 13 1:00 A Lesson in Journalism Doug Green, Journalism Teacher

Sixteen Carlsbad High School Students discover the Horror of the Holocaust while producing a groundbreaking film about the Holocaust. The film won the prestigious Peacemaker Award as well as dozens of film festival awards worldwide.

June 13 2:30 Neil Simon: Observing It All Barbara Mortkowitz, MA Theatre & Music Arts Performance

Learn about one of the most commercially successful playwrights in the history of American Theatre and one of the finest writers of comedy in American literary history. His keen observations have brought us an entertaining way to look at ourselves.

To join a Zoom meeting, LIFE must have your email address in order for you to receive the invite link. Meetings will start at 12:45 pm (you can join 15 minutes earlier) and the speaker will start at 1:00 pm.

* Speaker has books or CDs for sale. ***

Chess at Park avenue Community Center Wednesdays & Fridays

Home of Escondido Senior Center, 210 Park Avenue, Escondido, 760839-4688.

Chess players of all skill levels are welcome every Wednesday AND NOW EVERY FRIDAY in the shuffleboard building from Noon –3 p.m. Friendly games with large boards and pieces provided. No fees or reservations. Follow the signs or ask at the front desk for directions.

bank Robber arrested in Escondido

On June 4th, at about 10:37 am, an adult male suspect, wearing a mask, entered the US Bank on the 2300 block of East Valley Parkway in Escondido. The suspect passed a note to the teller stating he had a gun and demanding money. The teller complied, and the suspect fled with the money. Witnesses observed that the suspect was driving a black Toyota Prius.

Officers responded to the 911 call and immediately flooded the area to search for the suspect vehicle. A short time later, an Escondido patrol officer observed a possible matching black Toyota Prius driving in the area of Rose Street and Valley Parkway in Escondido. Additional units responded, and a high-risk stop was conducted, during which the driver and only oc-

Man

About Town

by lyle e davis

Love and other things . . . .

I remember it as though it were yesterday.

It was almost 65 years ago.

Mary, a Scots lass I had met on a blind date about two months earlier, was in my parent’s bedroom, lying on her tummy, on my mom and dad’s bed, making an international phone call home to Scotland.

“Mom? I’m in love!”

Those words were uttered a long, long time ago.

But I still remember them. And cherish them.

Mary and Hugh Holden, Mary’s parents, could not afford to come all the way from Scotland to Omaha, Nebraska, for the wedding. Hughie was a coal miner. Clearly, I did not marry for money. Mary felt the need to let mom and dad she

cupant was detained. Witnesses identified that subject as the bank robber. The stolen bank money, demand note, and mask were all located inside the vehicle. The male was identified as Gary Smyers, a 77-year-old resident of Escondido. Smyers was later booked at the Vista Detention Facility for 211 PC (Robbery).

Escondido police detectives are being assisted in this investigation by the Federal Bureau of Investigation (FBI).

Anyone with information regarding this incident is encouraged to call the Escondido Police Department at (760) 839-4722 or Detective Cory Spinos at (760) 839-4499, referencing case 25005152.

had found a Yank in America and she intended to marry him.

We would go on to have two children, Scott and Kenneth. We moved from Omaha to the Chicago area, and, later, to California.

We had an exciting life together . . . many, many adventures . . . . with only an occasional argument.

Life has slowed down some today. Considerably, in fact.

Mary’s memory is not the best. Short term is terrible . . . sometimes long term memory comes into focus a bit more clearly.

And every single morning, as soon as I see her eyes open, I say . . . “Mary? I’m in love!”

“Who wi?,” she’ll say.

“Little girl named Mary Kirk Davis. Ever hear tell of her?”

The next day, upon her wakening, I repeat it . . “Mary? I’m in love!”

“I hope wi’ me,” she’ll respond.

“Aye,” sez me, “you’re the one.”

“Are you glad you married me?”

“Smartest thing I ever did,” I respond.

Other times during the day, maybe 15 to 20 times a day . . . I’ll say . .

“Mary . . . I think you’re beautiful!”

“Oh, ah em not; I’m an old bag! My beautiful days are a’hind me.”

“Nope,” sez me, “you’re still beautiful to me.”

The fact is, Mary is not as lovely

bicyclist Struck & killed

A man riding a bicycle across East Valley Parkway was struck by a vehicle and killed Saturday night. He was crossing about 100 feet west of the intersection of Ash Street at about 9:10 p.m. when a westbound Honda Accord struck him.

The driver remained on scene and cooperated with police. Alcohol or drugs are not a factor in the crash, and investigators are working to determine the cause.

The bicyclist’s identity is being withheld pending notification to family.

Anyone with information about the crash is asked to contact Officer Adam Ayres at (760) 839-4714.

To submit a letter to the editor, please email thepaper@cox. net. Please be respectful, limit your letter to a maximum of 300 words and include your full name, e-mail address, town, and a valid phone number where you can be reached. Letters will not be published anonymously. Letters are subject to editing. Please no hand written letters.

Mary Davis

as she once was. Perhaps I fib just a little bit.

Dementia does that to you.

We have to push to get her to shampoo and shower ... she has closets full of beautiful clothes, which she once wore with great pride and to great effect; not so much anymore. We sometimes have to push to get her to change her clothes. And we keep her out of the kitchen, whenever possible. She has a habit of boiling a pot of water for tea . . . and then forgetting it and we soon are treated to the lovely smell of burned Teflon as the pot of water has boiled away.

But I still tell her how beautiful she is . . . 15-20 times a day. Remember, she has huge short term memory loss. She doesn’t remember I just told her 20 minutes ago that she was beautiful. And she enjoys hearing being told she’s beautiful. Every woman does. And so I repeat myself. So, while perhaps I fib just a little bit it’s something she needs to hear repeatedly . . . and, hopefully, remember.

And you can bet your bottom dollar that tomorrow morning, when

Man About Town

Real Estate from page 3

is crucial, but there are a few effective plans in place to do so. One construction owner I spoke with ranted, “They want us to build homes that sell for $200,000. Fine. Except the regs say the roof has to be non-flammable, yet the house must have a sprinkler system capable of putting out roof fires. Two car garages? Mandatory. Trash can shelters. Mature landscaping plants. A local park. All for $200,000? Not possible if I pay my employees a living wage.”

Policies that incentivize the construction of affordable housing and streamline zoning regulations can help increase the supply of homes, which in turn would make them more accessible to first-time buyers.

Reforming Lending Practices

While maintaining financial stability is essential, revisiting lending standards to allow for more flexibility can help more first-time buyers qualify for mortgages. Implementing programs that consider alternative credit histories and lower down payment options can expand access to homeownership as well.

Expanding and funding down payment assistance programs can pro-

vide immediate relief also. Along these lines. several top-notch firms have introduced grants that first time buyers may apply for. While this is not a major advancement as to the number of first-time buyers, it is a beginning. Ensuring these programs are adequately funded and accessible can help bridge the financial gap and facilitate entry into the housing market for many who would be left out.

https://www.homestratosphere. com/why-first-time-buyers-arestruggling-to-break-into-californias-housing-market/?utm_ source=chatgpt.com

Addressing broader economic factors, such as wage growth and cost of living reductions, is essential for improving housing affordability. Will these innovations be forthcoming soon? Don’t hold your breath.

This month marks the 22nd consecutive month of year-over-year price increases. However, the annual price gain was the smallest since July 2023. It’s like the price increases are starting to slow down, but they’re still going up!

are Home Prices dropping?

While we’re seeing record high prices at the moment, it’s important to note the pace of growth is slow-

ing. California Association of Realtors’ Senior Vice President and Chief Economist Jordan Levine, notes that despite reaching a new record, prices are moderating to a degree. Economic uncertainty has slightly dampened demand, while a steady increase in inventory has contributed to more moderate price growth this year.

So, are home prices dropping?

Not yet, but the rate at which they’re increasing is slowing down. Keep an eye on this trend, it is important for both buyers and sellers to keep in mind the rest of the year. If you are a seller, you should consider listing your house now; if a buyer, get your financing in order so that you can make a move.

California Prices Compared to Current National Median Price

Let’s put California’s prices into perspective. California’s median home price is approximately $910,000, give or take $5,000 either way; the national median price for a home elsewhere in the county in March 2025 was around $403,700, a major difference, with a year-over-year change of +2.7% in 2025.

Mortgage assistance Programs

To the persistent ones, the resilient

ones, the “I won’t be denied ones,” there is assistance in securing reduced mortgage loans. To get in this que, you’ll need to:

• Be a first-time home buyer.

• Complete a home buyer education course.

• Meet CalHFA’s median income limits.

• Have a minimum credit score of 660-680, depending on the program.

• Purchase a primary residence within the state of California.

CalHFA offers an eight-hour online home buyer education course for just $99. Participation is mandatory if you want to be eligible for financial help from the agency. And it facilitates one-on-one counseling sessions for home buyers, which can be face-to-face or virtual. Fees vary depending on the service you choose.

CalHfa fHa Loan

The CalHFA FHA loan program is guaranteed by the Federal Housing Administration and features a 30year mortgage with a fixed interest rate. You can use this loan to purchase a single-family home or approved condominium.

Estate continued on page 7

Real Estate continued on page 7

Real

5th District Supervisor • Jim Desmond

When Common Sense fails at the County board of Supervisors

Last week was one of the strangest—and most disappointing—experiences I’ve had on the San Diego County Board of Supervisors.

I brought forward two straightforward, common-sense proposals: to stop the gas tax increase set to hit Californians on July 1, and to hold Mexico accountable for the millions of gallons of raw sewage they continue to dump into our ocean every single day.

These are issues that affect every San Diegan. Californians already pay the highest gas taxes in the

nation, and now a state-mandated increase threatens to push prices even higher—possibly over $8 a gallon, according to one recent report. That’s a burden working families simply cannot afford.

At the same time, our coastline is being polluted with impunity. Imperial Beach has been closed for over three years, and now Coronado’s beaches have been shut down for weeks. All because Mexico continues to discharge millions of gallons of untreated sewage into the Tijuana River and, ultimately, into American waters.

These proposals should’ve been no-brainers. But instead, they were voted down.

Why? Because some of my colleagues seem more worried about offending Mexico than protecting San Diego County residents. That’s not just disappointing—it’s outrageous. Mexico has polluted our beaches and waterways for 50 years with zero accountability. We’ve never levied a fine, never enforced a penalty, never imposed a restriction. Why would they stop if there are no consequences?

It’s time to stop accepting excuses. Our residents deserve better.

We are in the middle of a cost-ofliving crisis. Sky-high gas prices, unaffordable housing, soaring utility bills, and relentless inflation are making it nearly impossible for families to stay afloat.

Seniors on fixed incomes are being forced to make impossible choices. And yet, when given the chance to offer real relief, our leaders chose political convenience over doing what’s right.

I won’t stop fighting for common sense. I won’t stop standing up for working families, for clean water, and for accountability—no matter how bizarre things get at the Board of Supervisors.

San Diegans deserve leadership that works for them. It’s time to get back to putting people first.

San Diego County District 5 Supervisor Jim Desmond, 1600 Pacific Highway, #335, San Diego, CA 92101, United States http:// www.supervisorjimdesmond.com/

Vista Mayor • John Franklin Ca assembly failed to Stop gas Price Hikes

Now, the San Diego County Board of Supervisors voted against a resolution that would have supported suspending the Gas Tax increase and bring relief to San Diegans. I applaud Supervisor Jim Desmond for bringing the proposal forward and fighting for affordability.

The Gas Tax is crushing working families — especially here in North County where people rely on their cars to get to work, take their kids to school, and put food on the table.

I would have voted “yes” to oppose this increase. I believe we need leaders who will fight for affordability and stand up to these out-of-touch policies.

Why?

Because California’s astronomically high gas taxes are regressive. They take a bigger chunk of working families paychecks than wealthy families.

In addition, almost everything you buy is affected by gas prices. Gas powers the vehicles that deliver goods to groceries stores, Amazon trucks and is used in the production process of many textiles, like plastic. Every dollar of tax on a gallon of fuel used to produce or transport a good or service you buy is passed on to you, the consumer.

Working families pay the gas tax over and over and over again as each gallon of gas is sold in the California economy.

On July 1st, the gas tax will jump to over 61 cents a gallon and more regulations will start that will add an additional 65 cents per gallon. Combined with more refinery closures, experts warn gas could hit eight dollars a gallon next year.

We must suspend the gas tax increase to provide relief now.

John Franklin, Mayor, City of Vista, Candidate, Supervisor District 5

California

State Assembly District 75 Carl DeMaio

Help Me defend Charter Schools

Sacramento politicians are once again trying to take power away from parents and protect government bureaucrats who have repeatedly failed our children by forcing them into failing schools.

Assembly Bill 84 ( AB 84) would destroy one of the best alternatives parents have – specifically Charter Schools – to give their children a quality education.

I strongly oppose AB 84, and I will do everything in my power to stop this deeply flawed and destructive bill.

If passed, AB 84 will cripple charter schools with red tape, punish homeschool families with new restrictions, and silence the very educational innovation that is giving our kids a real shot at success.

This is a fight for the future of school choice in California and I’m standing with parents, not the special interests.

AB 84 Is a Coordinated Attack on Charter and Homeschool Programs

AB 84 isn’t about “accountability”, it’s about control. Buried in this 100+ page bill are provisions that would:

Impose crushing oversight fees on charter schools — up to 5% of a school’s entire budget, diverting funds away from students and into bureaucratic overhead.

Block small school districts from authorizing new nonclassroom-

continued on page 7

DeMaio

Real Estate from page 5

CalPLuS fHa Loan

The CalPLUS FHA program is another government-backed mortgage that comes with a slightly higher interest rate than its standard FHA loan. However, this home loan is combined with a closing cost assistance program, called the CalHFA Zero Interest Program (ZIP).

Similar to the CalHFA FHA loan, this program features a 30-year mortgage that will finance the purchase of a single-family primary residence.

CalHfa Va Loan

Eligible veterans and active-duty service members have access to this VA-insured mortgage with a 30-year loan term and fixed-interest rate. The CalHFA VA program can be used to finance the purchase of a single-family home or condominium.

CalHfa uSda Loan

This 30-year, fixed-rate loan is backed by the USDA and comes with down payment assistance, called the “MyHome Assistance Program.” In addition to CalHFA guidelines, applicants to the CalHFA USDA program must meet both USDA income limits and eligible rural area requirements to qualify.

DeMaio from page 6

based charter schools, which serve thousands of homeschooled and independent-study students across the state.

Force charter schools to operate like school districts, adding unnecessary reporting, red tape, and audits all while giving local districts (often hostile to charters) more power to shut them down.

Mandate credentialing rules and staffing requirements that go beyond current law, undermining the flexibility that makes charter schools effective for students with diverse needs.

This bill even establishes a new Office of the Education Inspector General, giving unelected bureaucrats sweeping investigative authority over charter schools including the power to audit, investigate, and interfere in their daily operations.

I believe that parents, not Sacramento, should be the ones making decisions about how and where their children are educated.

CalHfa Conventional Loan

The CalHFA conventional program is a 30-year mortgage with a fixed interest rate. Like all conventional loans, you’ll have to pay for private mortgage insurance when your down payment is less than 20% of the home purchase price.

CalPLuS Conventional Loan

This 30-year, fixed-rate loan comes with a slightly higher mortgage rate than the standard conventional home loan. But the CalPLUS conventional program comes paired with the MyHome and ZIP programs that will cover both your down payment and closing costs.

CalVet Home buyer Program

CalVet’s program is open only to veterans, service members, and closely associated groups. It’s website says the program “is designed to help you understand the steps to homeownership and discover just how easy and stress-free purchasing a home and securing a CalVet home loan can be.”

dream for all Shared appreciation Loan

The Dream For All Shared Appreciation Loan is a down payment assistance program for first-time homebuyers and provides funding up to 20% of the home’s sales price. It is to be used in conjunction with the Dream For All Con-

Charter schools, homeschool partnerships, and nontraditional learning environments provide essential options for families across our state.

These programs often serve students who have been left behind by the traditional public school system. They deserve our support, not more regulation.

AB 84 would take us in the wrong direction, punishing the very schools that are helping kids succeed.

I will continue to fight to protect school choice and defend every parent’s right to choose the best education for their child.

Provide Feedback on Legislation | Contact My Office for Help

Carl DeMaio, California State Assemblymember, District 75. State Capitol Office, 1021 O Street, Suite 4630, P.O. Box 942849, Sacramento, CA 94249-0075, 916-3192075. District Office, 9820 Willow Creek Rd. Suite 240, San Diego, CA 92131, 858-566-7538

ventional first mortgage for down payment and/or closing costs.

As the program name implies, you’ll need to repay the original down payment loan plus a share of the appreciation in the value of the home when sold. So for example, if you receive a 20% down payment loan toward your new home, the state housing authority will collect 20% of the increased value when you sell, transfer, or refinance the home.

As with most down payment assistance programs, you’ll need to meet the minimum credit score requirements and stay within the county income limit. You must also complete a homebuyer education course before closing.

Habitat for Humanity

Also known as “Jimmy Carter Homes,” Habitat for Humanity offers home loans to qualified buyers at 1 and ½ to 3 per cent interest rates. This program has lifted many low-income families into home ownership.

The key is You

The key factor in successfully buying a home for the first time in California is truly the individual. If you are initiative-taking, determined, and willing to cross any bridge to become a homeowner, there is a program, a way, to achieve your dream.

Chuckles from page 2

gressman’s staffer who wanted to go to Cape Town . I started to explain the length of the flight and the passport information, and then he interrupted me with, ‘’I’m not trying to make you look stupid, but Cape Town is in Massachusetts ..’’

Without trying to make him look stupid, I calmly explained, ‘’Cape Cod is in Massachusetts, Cape Town is in South Africa ..’’ His response -- click..

3. A senior Vermont Congressman called, furious about a Florida package we did. I asked what was wrong with the vacation in Orlando. He said he was expecting an ocean-view room. I tried to explain that’s not possible, since Orlando is in the middle of the state.

He replied, ‘Don’t lie to me!, I looked on the map, and Florida is a very THIN state!!’’ (OMG)

4. I got a call from a lawmaker’s wife who asked, ‘’Is it possible to see England from Canada ?’’

Beth and Sandra Cleary were determined to buy a house in a good school district to raise their twoyear old, adopted daughter. Beth, raised as an orphan had never known a stable home; Sandra had been running solo since she was sixteen. They were so determined to be home owners they attended every open house they saw, making friends of the real estate agents. They repeated written affirmations every morning that implied home ownership was a done deal; persisting even though banks said they’d need a 25% down payment due to past credit issues. When Beth nursed a wealthy lady through a long night, the lady asked Beth what she could do for her. “Could you loan me enough money that I can put 25% down on a house?”

The answer was yes – better yet – the lady gave Beth and Sandra the down payment, plus two years of monthly payments. Truly, homeownership in the Golden State awaits those you believe they can.

I promised an unbiased examination of the Southern California Real Estate market when I began. I feel I’ve met that criteria. Buying a home for the first time in SoCal even with a great credit rating and a significant down payment is daunting - for those with an annual income of less

Real Estate continued on page 12

5. An aide for a cabinet member once called and asked if he could rent a car in Dallas .. I pulled up the reservation and noticed he had only a 1-hour layover in Dallas ... When I asked him why he wanted to rent a car, he said, “I heard Dallas was a big airport, and we will need a car to drive between gates to save time.’’ (Aghhhh)

6. An Illinois Congresswoman called last week. She needed to know how it was possible that her flight from Detroit left at 8:30 a.m., and got to Chicago at 8:33 a.m.

I explained that Michigan was an hour ahead of Illinois, but she couldn’t understand the concept of time zones. Finally, I told her the plane went fast, and she bought that.

7. A Senator John Kerry aide called to inquire about a trip package to Hawaii. After going over all the cost info, she asked, “Would it be cheaper to fly to California and then take the train to Hawaii?’’ ***

I said, ‘’No.’’ She said, “But they look so close on the map’’ (OMG, again!)

Cool Zones Open with Summer Approaching

By Gig Conaughton, County of San Diego Communications Office

With summer just around the corner, the County of San Diego opened its annual Cool Zones program June 1st, giving people free, cool, air-conditioned places to beat the heat when they need it.

The program is expected to run to October 31st, giv ing people more than 80 places around the county to seek shelter when the temperatures soar.

The Cool Zones program was created nearly 25 years ago. It was designed to give free, safe access to air-conditioned shelter during extreme heat to the people who need it most—older adults, people with disabilities and people with health concerns.

Cool Zone sites include the County’s 33 branch public libraries, teen and senior centers in County parks and other city, public, private and volunteer organizations and places around the county.

A current list of all the Cool Zone

sites, their hours, addresses and phone numbers is posted on the County’s Cool Zones website at Coolzones.org. The site also includes an interactive link that lets people search for Cool Zone sites by location, zip code, organization and what animals are allowed.

Extreme heat can be especially dangerous for the elderly and children. Everyone is recommended to shelter in cool places when the temperatures get too hot. Working or exercising outside on a hot day or staying inside a hot space for too long can cause heat-related illnesses. Those can range from cramps to exhaustion and heatstroke, a condition when the body can no longer control its temperature.

Signs of heatstroke or exhaustion include having an extremely high body temperature, 103 degrees or higher, dizziness, nausea, confusion and headache. Anyone suffering these symptoms should call 9-1-1 and be cooled off immediately.

To learn more, visit Coolzones.org.

by Jim Ellis, Escondido Coin & Loan

Ever since King Croesus melted gold and silver into coins circa 550 B.C. these metals have been associated with wealth. “Wealthy as Croesus” was a term used to describe a man that knew the extent of his wealth (perhaps down to the last penny). Much of that wealth was dependant on how much metal was held in ones portfolio. Thousands of years later, we here at Escondido Coin felt the need to team up with The Paper to onceagain discuss the value and importance of silver.

Over the next several weeks we’ll be discussing silver-to-gold ratios. Common questions and answers, including “How much should I hold” “Is now a good time” “Where do I buy” “Where/how do I store it” etc. However, prior to getting started on this journey, I’d like to take a moment to share a bit of history on our store.

Escondido Coin was started in 1959 by a man named Ed Jansen. The original location was within the Arcade Building in the 200 Block of East Grand Ave. In 1964 Sid Emerson purchased the Coin Shop, and in 1967 moved it to

gOT SILVER?

111 North Broadway. Sid was a pioneer! Transitioning from a Machinist job with Goodyear Tire & Rubber with job security, a pension, benefits etc etc. Setting that aside, Sid seized the opportunity to come west in search of a better life for himself and his family. Having dealt in coins periodically, Sid understood the value of rare finds. He also understood the value of people. The combination of his loyalty and his will to provide made him the success story he became. Sid owned ECS from 19641989. I remember someone once asked him “Weren’t you afraid to fail?” Sid’s reply was simply “I didn’t do this to fail”.

In 1989 Sid sold the business to his brother-in-law (my father) Harold “Ray” Ellis. Ray started working for Sid in 1980 during the metals boon related to the infamous Hunt Brothers. Giving up his job in West Virginia as a P.E. Teacher and School Principal, dad took a liking to Sid and moved the family west. His extensive knowledge of timepieces allowed Ray to purchase and grow the watch division of the shop which eventually led to his full and complete store ownership in 1989. Having the same “no fail” mentality as Sid, Ray was another handshake

people could trust. Over the next several years Ray continued to advance the watch division as well as general sales which included metal detectors, jewelry, coins, bullion and collateralized loans. In 1992 Ray recognized the unstable and undervalued real estate market and purchased 241 East Grand Ave where we sit today.

Stay tuned as we jump into Silver and its historical importance!! Also keep your eye on the ever-so-

important Silver/Gold ratio. These are important market indicators some traders rely on exclusively. Meanwhile, bring this weeks’ The Paper in for a free evaluation on your coins, bullion, watches, jewelry, sterling flatware etc.

Give us a call if you need to set up an appointment. Otherwise just stop on in Monday thrugh Friday from 10am to 3pm.

See you back here next week!!

The Pastor Says . . . for Sure

Recently, I remembered a promise I made to some friends I was visiting in Michigan. I told them that I was writing a weekly column for The Paper. They asked me if I would send them a copy. I responded with a “For Sure.” Time has passed with a plethora of things to do, people to visit, and the need to keep up with more articles. In the midst of it all, I forgot about my promise to send a copy of the article I told them I would send. All of this brought me to an awareness of what happens to so many people who are quick to promise things like a phone call, a visit, a letter response, a prayer, a coffee break, or a special need. We refer to these as “good intentions.” Friendships are lost when people break promises. This reminds me of a famous saying: “The road to hell is lined with good intentions.” Often, these broken promises are covered with a flimsy excuse, such as “I’m sorry.” It is easy to make promises and even easier to break them. There are numerous reasons for being late to an appointment, missing an obligation, double booking, and simply being lazy and undisciplined with one’s obligations. This whole scene can catch up to us when we miss a credit card payment, a failed doctor’s appointment with a penalty, or a lost friendship. It could also mean a lost opportunity for lunch. That would be the least of the damages.

I have been in situations with families where broken promises have destroyed confidence, trust, love, and relationships. Perhaps the most tragic situation is when a parent pledges to be present for a birthday party but fails to do so, having something more important to attend to. These broken promises, while seemingly innocent, have at times destroyed all future confidence. It is also evident in marriages where promises are made and broken, often leading to divorce or a lifetime of unhappiness and distrust.

What can happen so quickly with the words “For sure,” giving a false sense of trust and assurance that one can believe what one says, can be destroyed by failing to honor that word of promise. It might seem like a small thing not to send a copy of the paper. After all, how important is The Paper or my article? By all standards, they hardly matter. What matters is whether I will do what I said I would. I am sure I have failed in this challenge. Still, I am also reminded of the need to be reliable and do what I can to follow the teachings of Jesus in Matthew 5:37, “Make sure your statement is, ‘Yes, yes, or ‘No, no:’ anything beyond these is of evil origin.”

Jesus was sensitive to the failures of people in saying things impulsively or in hurting others’ feelings. In His words, there is a caution in what we say. Think before we promise, and with every intent and provision, do what we say. It earns respect and confidence.

Pastor Huls

Pet Parade

Sheriff is pet of the week at Rancho Coastal Humane Society. He’s a 3-year-old, 54pound, male, Husky mix.

Sheriff was a stray before being taken to a shelter in the Imperial Valley. He was transferred to Rancho Coastal Humane Society through Friends of County Animal Shelters (FOCAS). He would make a terrific adventure buddy.

His $145 adoption fee includes medical exam, neuter, vaccinations, microchip, and a one-year license if his new home is in the jurisdiction of San Diego Humane Society.

Visit Rancho Coastal Humane Society in Encinitas or log on to www.SDpets.org. Open 11 to 4 every day but Tuesday.

Summer Hours. RCHS is open until 6:00 pm Thursdays. Final showings begin at 5:15.

San Diego Humane Society is supporting families and their pets who need a little extra help.

Through the Community Pet Pantry, anyone can visit our campuses to pick up a bag of dog or cat food, and other supplies, as available.

No appointment is needed for this service. Hours are Tuesday-Sunday from 10am to 6pm.

El Cajon 373 N. Marshall Ave.

Escondido 3500 Burnet Drive

Oceanside 572 Airport Road

San diego 5480 Gaines Street

Pet of the Week

Jumba

Meet Jumba, a young, energetic pup bursting with sweetness and enthusiasm! He loves treats, walks and spending all his time with his favorite people. Jumba previously lived with kids ages 6-19 and did great. He’s still getting used to car rides, but with patience and encouragement, he’ll be cruising in no time. If you’re ready for adventures and lots of cuddles, visit San Diego Humane Society’s Escondido Campus at 3500 Burnet Dr. to bring home Jumba (944429)! If you have questions about the adoption process, you can visit sdhumane.org/adopt or call 619299-7012.

Online profile: https://www.sdhumane.org/adopt/available-pets/ animal-single.html?petId=944429

Pastor Huls

The Computer factory

845 W. San Marcos blvd. 760-744-4315 thecomputerfactory.net

Homo Sapiens climbed down from the trees in the “Great Rift Valley” 300,000 years ago. By 1800 our worldwide population hit one billion. In the ensuing 200 years our population soared to over eight billion and our life expectancy rose from 35 to 73 years. Mankind has a long history of using his ever expanding knowledge of nature to live better, safer and longer. In recent years human knowledge began to serve an increasing role in shaping the planet’s environment. At the dawn of the 20th century we entered the “The Anthropocene age”. It marks a period of rapid and significant changes to our planets natural systems driven by human knowledge, (technology).

Since the beginning humans have gratefully used the resources of Earth to keep warm, safe and fed. Humans took what they needed to survive and

Dogs and cats live by different sets of rules than we do. The rules make sense to us, but our pets say, “Yeah. No. I ain’t doin’ that.”

Many years ago someone sent me a list of “Dog Rules for Humans.” They thought it came from Pinterest…so it must be accurate. Right?

Let’s revisit the list of Dogs Rules for Humans. See if they look familiar.

• Don’t come home smelling like other dogs.

Can we avoid the untimely extinction of mankind? Part II

nature ruled the planet with a patient and gentle hand. Earths creatures adapted to and survived changing weather patterns, continental drift, ocean levels, climates etc. Then in the early 20th century we entered the Anthropocene age and the planet changed in a geologic heartbeat.

For the vast majority of human history low population levels and primitive technology posed little threat to Earths natural environment. That is no longer the case. The Anthropocene age, witnessed the replacement of natural forces with human technology as the major driver behind environmental change on our planet. In the last two centuries human activities like mining, farming, fishing, manufacturing, transportation, war, population growth and urbanization replaced natural forces as the primary shaper of change in our terrestrial, oceanic and atmospheric environments. In recent decades Anthropomorphic activity has been the driving force behind global warming, rising sea levels, extreme weather events, ocean acidification, species extinction, deforestation, resource depletion and land, sea and air pollution. Human activity had become an “existential threat” to life on our planet. Can we fix it? It’s certainly worth a try!

Mankind would quickly need to gain an understanding of which and how human activities are degrading our planet’s life support systems. Then we would need to devise and agree upon a comprehensive action plan to end harmful activities and implement processes to neutralize their negative

impact. Then we would need to develope and implement a process that would stabilize our planet’s environment at whatever level we determine to be optimal.

Easy peasy, a piece of cake, a walk in the park. Right? Not so fast. If Earths population consisted solely of you, me and our in-laws, we just might be able to get it done. But there are 195 countries on our planet. Most of them have elected governments and officials who are more responsive to short term objectives that help get them re-elected than “iffy things” like the long term survival of humanity. Rallying concerted co-operation to “save the World” is a hard sell, especially when the impending global crises is not yet obvious to most. If everyone believed that the survival of humanity was at stake we might all agree to appoint a knowledgeable but apolitical group of experts representing all the Earths population

to rapidly assess the causes of this existential crisis and unanimously agree on a “save the planet” plan to reverse our headlong rush toward self destruction. Of course this plan would quickly be adopted by all of the governing bodies of the World and all eight billion of the people on our planet would co-operate in implementing the “save the planet” plan. Voila, the planet would be saved. We would all congratulate one another and celebrate by feeding popcorn balls to all the unicorns.

Of course we know there are no unicorns, and we also question the likelihood that mankind will unite in a great “kumbaya” moment and rescue us from our own technology. We’ve so far been able to survive all of natures “existential” threats but will we survive this, an “existential” threat from our own species? Can we figure it out in time to save ourselves?

Stay Safe • Stay Connected

Access to the information and assets of the IW (intelligent web) is essential to living in today’s world for many reasons. The key connection devices are Smart Phone (mobility), PC (comfort) and Digital Assistant (speed). Folks under 30 were born and raised with the IW. Most of us over 40 need a little help. At The Computer Factory, we’re here for you.

THE COMPUTER FACTORY

Repairs, Upgrades & Components • Since 1995 845 W. SAN MARCOS BLVD • 760-744-4315 www.thecomputerfactory.net

Dog Stuff I Learned From Pinterest

• You must give me a bite of everything you eat.

• Don’t lie to me when we both know you’re going to give me a bath.

• Let me outside even though I just came in. There was a spot I forgot to sniff.

• I can sleep anywhere I want to even if it means you trip over me.

• Don’t “Shhh” me from barking while you’re on the phone. I heard the wind blowing.

• Don’t move me while sleeping sideways in the middle of the bed. You have room on the edge.

• Don’t think you can leave the room without me.

• If it lands on the floor, it’s mine.

• I will use sad puppy dog eyes to get what I want.

I can identify with all of these. So, here are even more rules for pets and their people.

• The ten second rule for food dropped on the ground means nothing if you have a five second dog.

• This is my human. There are many like him…but this one is mine. Keep your paws off.

• Rescued dogs rule!

• I don’t care how many times I bring the ball. You throw it!

• After looking at the numbers… there is no way we can afford a cat.

• Yelling at a dog to stop barking doesn’t work because then the dog thinks, “Cool! Now we’re both barking!”

Things you need to know if you’re dating a dog lover.

• Love me. Love my dog.

• Sorry that I can’t make it. It’s not that I don’t want to hang out with you. It’s just that I would rather be with my dog.

Now some wise words from the late Andy Rooney.

“The average dog is a nicer person than the average person.”

Is that an insult to people or a compliment to dogs?

Real Estate from page 7

than 80K, the options are few- a mobile home or hopefully a small Fix it Upper. Still, achieving home ownership will require diligence and patience. If the individual has ever had credit issues it will make the task even more difficult. Would it be best if first time buyers left the state? Perhaps. Don and Bobbi Lee moved from Central California to Sullivan, Ohio where they bought a recently refurbished, eleven room, 3-story farmhouse on an acre of land for the low $300,000’s, the 5th house they’ve bought. Sam and Roberta Chaney left Pasadena for Austin, Texas. They paid cash for a 3 BR, 2 Bath, 2-story house on a large lot for $380,000, the sixth home they purchased.

While I’ve read that young people are leaving California in droves for other states, and my Newsom-hating friends assure me this is true,

Man About Town from page 4

I see her eyes flutter open after a good night’s sleep, the first words she will hear is . . .

“Mary? I’m in love!” ***

While speaking of love . . .and I just was . . .

My dear pal, Retired Pastor Dick Huls, has two beautiful daughters and three fine sons, one of whom, Mike, is a plumber.

I called Mike as I had a water heater problem. When he arrived he brought along one of the most beautiful little girls I’ve ever seen. Her name is Gracie, she’s 4 years old and is the daughter of Mike’s girl friend.

Instant love!

Upon arrival Gracie saw Mary, sitting at our dining room table, arranging pennies in different geometric patterns, which she does for two or three hours at a time (Mary has dementia). In a flash, Gracie joined Mary, grabbed a bunch of pennies and began forming geometric patterns right next to Mary’s.

“Dad,” Mary said, “this girl is really smart!”

I agree.

In talking to Gracie I learned she attends Miller School in Escondido. “I know some folks at Miller,” sez me. “A lady named Tanya who works in the library.”

statistics refute this. Less than one percent of the young population is doing so. My efforts to speak with any one of these individuals met a brick wall. In conclusion, the solution to buying a first time home in Southern California is money, money and a whole lot of patience. And while there are programs available for those with limited resources, these are strained by demand. Ah, to be born rich. Maybe that’s the solution.

Housing Supply

What about the number of homes available for sale? This is called housing supply, and it plays a big role in whether it’s a buyer’s or seller’s market.

• The Unsold Inventory Index (UII) in April 2025 was 3.5 months, unchanged from March and up from 2.6 months in April 2024.

• Total active listings rose on a year-over-year basis at the fast-

“Mrs. Hunsinger?!,” she beamed. “Yes,” I said. “You know her?”

“She’s one of my favorites at school!” (Tanya Hunsinger is Mike’s sister.)

“Do you also know Lisa Huls,” I asked.

“Yes, she’s Mrs. Hunsinger’s sister.”

Sadly, Grandpa Huls (Dick) has not yet met Gracie. When he does, he’s gonna fall head over heels in love with her, just as Mary and I have.

It appears Mike has fixed the water heater problem . . very prompt service and very reasonable rates. And a bonus . . . we got to meet Gracie.

I’m already trying to figure out what other plumbing problems I have so I can call Mike and bring him back . . just as long as he brings Gracie along.

Oh, Mike’s phone number is 760.803.9185. ***

I very much enjoyed this week’s cover story on real estate by our Pete Peterson. His analysis and commentary appears to be spot on.

To the question, “given today’s real estate market can someone with an annual income of $40,000 to $80,000 afford a starter home in San Diego County?”

Probably not.

It appears to me the only real solu-

est pace since January 2023, reaching a 66-month high (since October 2019).

• New active listings also rose yearover-year by double-digits for the fourth consecutive month.

What does this mean? There are more homes on the market now than there were a year ago. This increase in supply can help moderate price increases.

Is California a buyer’s or Seller’s Housing Market?

So, with rising prices but increasing inventory, is it a buyer’s or seller’s market in California? It’s complicated, but leaning more towards a balanced market than it has been in recent years.

• Sellers still have the upper hand due to relatively low inventory and high demand in many areas.

• Buyers have slightly more ne-

tion lies in either (a) a mobile home or (b) moving out of state.

As to mobile homes, you also have lot rental to consider . . .and you want to find a really nice mobile home park.

As to moving out of state . . .

I grew up in Omaha. You can still buy a nice home there for $200$300K; cost of living is also less. Only problem is . . no palm trees in Omaha. And you have to move to Omaha . . . and endure cold, cold, winters, hot, humid summers, and an occasional tornado, just to make it interesting.

Same with Des Moines, Iowa, Minneapolis, Minnesota . . .

One wonders if and when the real estate market will correct itself and if and when folks can buy real estate at a reasonable price . . .given that in San Diego County an annual income of $100K is considered “low income.”

That doesn’t make sense to me.

Enjoy this week’s read of The Paper and Happy Father’s Day!

An Editor’s Observation . . .

The Indian Store, a long time modern day Trading Post in North San Diego County, is putting Native American craftsmanship front and center. Adopting a unique boutique style the store is as much a museum of Native Culture as well as a colorful retail store/trading post.

The boutique is run by Larry Ben-

gotiating power than they did a year ago, thanks to the increased supply.

Think of it like this: sellers can still command high prices, but buyers have more choices and aren’t quite as desperate.

Market Trends

Let’s dive into some other notable market trends in the California housing market:

• Regional Differences: Sales increased in three of the five major regions compared to last year, but declined in the Far North and San Francisco Bay Area. The Central Coast saw the biggest jump in sales.

• County Variations: Sales increased in 33 of the 53 counties

Real Estate continued on page 13

son with his able store manager, Ken Leader. It’s Ken’s design talent that has made The Indian Store into a modern day showroom of Native Culture. It’s truly a memorable experience simply to wander the aisles of The Indian Store and admire the artistic layout of both counters and walls.

The management and staff of The Indian Store know Indian culture . . . and are happy to answer any questions you may have. You’re likely to meet members of many different tribes when shopping here.

Tribal Leaders and members know The Indian Store is home to anyone who has an interest in Native History and Culture.

The boutique’s new address is 1750 University Drive, Suite B, Vista, Ca., and its website lists its hours as 10 a.m. to 6:30 p.m., 7 days a week. Call 760.536.3211. Website: indianstore.org.

MIGHTY MOJO

Hi Neighbor! My husband and I have lived in Carlsbad and Vista over the last 20 years, and we just moved to Escondido. I would love to help you with any of your real estate needs and look forward to making your next move as smooth as possible. Any questions, please call me! 760-390-8483

elvira.evans@exprealty.com Carlsbad, Oceanside, Vista, San Marcos, Escondido, Valley Center, Fallbrook, Bonsall

tracked by C.A.R. (California Association of Realtors), with some counties seeing huge gains. However, some counties also saw significant declines in sales.

• Days on Market: The median number of days it took to sell a home was 21 days in April, up from 16 days in April 2024. Homes are staying on the market a bit longer.

• Sales-Price-to-List-Price Ratio: This was 100% in April 2025, meaning homes are selling for about what they’re listed for.

Impact of High Mortgage Rates

One of the biggest factors influencing the California housing market right now is mortgage rates. Higher mortgage rates make it more expensive to buy a home, which can cool down demand.

Currently, in mid-May 2025, the average 30-year fixed mortgage rate is around 6.76%, and the 15year fixed rate is about 5.89%, according to Freddie Mac.

Most forecasts predict mortgage rates will remain at or slightly above this level for the rest of the year.

According to various forecasts,

mortgage rates will end 2025 between 6.0% to 6.2%.

Here’s what higher mortgage rates mean for you:

• For Buyers: You’ll pay more each month for your mortgage, and you might qualify for a smaller loan.

• For Sellers: You might have fewer potential buyers, and you might need to be more flexible on price.

My Take on the California Housing Market

As someone who has been following the California housing market closely, I believe we’re in a period of transition. The days of crazy bidding wars and skyrocketing prices seem to be behind us for now. We’re moving towards a more balanced market, where buyers have more options and sellers need to be more realistic about their expectations.

Of course, real estate is local, so it’s important to pay attention to what’s happening in your specific area. What’s true in Los Angeles might not be true in Sacramento, or Redding or in San Diego. The San Francisco Bay Area is a completely different world of its own.

And don’t forget about the broader economic picture. Factors like inflation, job growth, and consumer confidence can all impact the housing market.

LEGALS MEMORIAL

ann Letitia

(Spencer) McQuead

May 15, 1949 to March 21, 2025

Ann Letitia (Spencer) McQuead passed from the loving arms of her family into the loving arms of her beloved savior, Jesus Christ, on the first full day of spring March 21, 2025. Just as the roses in her favorite garden began to bud with the first signs of spring and new life, Ann was taken by the hand and entered into her new life in heaven.

Ann was born in Vancouver, British Columbia; Canada on May 15, 1949 to Robert Spencer and Letitia “Tish” (Evans) Spencer, joining her older brother, Robert Evans Spencer.

In 1952 Ann’s family moved from Canada to La Canada, CA. Ann spent her early years in La Canada learning to create a garden of her own, cooking with her “mum”, building forts and riding bikes with her older brother “Bobby”, and playing with her bulldog “Queenie”. Growing up she spent summers in Summerland, British Columbia with her mother’s family on the Okanagan Lake. Her grandparents and their three children, were one of the founding families of Summerland, at one time living in a log cabin on the lake.

Ann attended La Canada Highschool where she was known for her warm smile and great sense of humor. She enjoyed home economics classes and loved to design and sew her own clothes, often creating her own patterns. With her natural beauty and tall frame, she was asked to model on several occasions. She had initially thought of being a landscape architect, but eventually applied for and was accepted to Central Washington University to major in Home Economics and Fashion. However, God had another plan for her life. On her high school graduation night in June of 1967, she attend-

ed a Grad Night event at Disneyland, where she met the love of her life and future husband, Bob McQuead. It was a heaven-sent encounter at the Coca Cola Corner that led to the exchanging of a forever famous photo taken of the two new graduates that night. Ann and Bob would part only briefly and soon find themselves never to part again, as they went on to share a whole lifetime together.

Ann soon changed her college plans and took a chance. She moved to Lake San Marcos, CA where her parents had providentially previously purchased a retirement property which she would live in while attending college locally with Bob. They enjoyed 2 years of playing and surfing at the local beaches with friends, attending classes at Palomar College where she was a cheerleader and Bob was a football player, and falling in love. Then on April 27, 1969 they were married and moved to Arizona where Bob would obtain his degree in Architecture from Arizona State University, and they would start a family welcoming their two sons, David and Kevin. In 1975 they moved back to Escondido, CA and welcomed their youngest and only daughter, Christen.

In 1975 Ann and Bob moved their little family into a home that they built with their own hands. Several generations and many friends and family would be welcomed inside the walls of that home they built. Ann lovingly decorated each room, encircled the yard with fruit trees (an homage to her grandfather’s orchards in Canada), and cultivated botanical quality flower beds and a seasonally fresh garden surrounded by a hedge of all kinds of berries, which she would make into jam preserves annually for all to enjoy. In the years to come Ann was a devoted wife and mother. She was Bob’s partner in both life and business, and her three children’s everything. She did it all, acting as Cub scout-Den-Mother and Busy-Bee Leader, Sunday school coordinator, home nurse and at times ER nurse, master chef capable of creating all kinds of cuisine including her Christmas crepe brunches and high school football team dinners, veterinarian to her children’s many pets, teacher and mentor. She was a cheerleader, a confidant, and a comforter. And as the years went on, she became a Grandma, a role she relished and was extraordinary at. Ann

taught each of her grandkids to bake special family recipes and was quick to sit on the floor and play with them. She spent many hours in thought and deed pouring into the lives of her grandchildren and later great grandchildren.

Ann was a refuge and made a home for us all and many others in her life as well. A portion of her childhood had been quite difficult, but as a young wife and mom she found her refuge and real home in her lord and savior Jesus Christ. She then shared this home and faith with her family and friends and many others for the rest of her days. Ann poured her love out to many, often intentionally encouraging a waitress or store clerk, pausing to pray for a stranger in need, or offering a place to stay to her children’s friends. She didn’t see her possessions as her own but as a gift from God to be shared, taking this to a new level when she and Bob renovated a 1910 house in downtown Escondido and turned it into “The Parsonage Bed and Breakfast”.

Her final years on this earth came too quick due to a difficult neurological diagnosis, but were filled with many beautiful memories of trips taken with her husband Bob and other family members, time spent with her growing grandchildren, church and brunch on Sundays, and gatherings with family and friends.

Ann Letitia McQuead is survived by her husband of almost 56 years, Robert Alan “Bob” McQuead, son David Cullen McQuead (Mara) and Kevin Alan McQuead (Lacey), and daughter Letitia “Christen” Freund (Eric). In addition, she is survived by her 11 Grandchildren: Samantha Springer (Nathan), Meghann McQuead, Rachel Burrows (Blake), Zachary McQuead, Andrew McQuead, Devin McQuead, Nathaniel McQuead, Kylar McQuead, Rylan McQuead, Caleb Freund, and Abigail Letitia “Abbey” Freund, and her 3 Great Grandchildren.

Please see The McQuead Family Caring Bridge for donations toward flowers and Ann’s favorite nonprofit Hope on the Hard Road, Inc.

A Memorial Service was held on Saturday, May 10th at 11:00 pm in the Chapel with lunch downstairs in honor of Ann’s gift for hospitality at Emmanuel Faith Community Church, 639 E. 17th Ave., Escondido CA 92025, 760 745-2541.

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STaTEMENT 2025-9005418

The name of the business: Coastal Wine Storage, located at 4119 Avenida de la Plata, Oceanside, CA 92056. Registrant, Hilda Esther Barron Partida, 4119 Avenida de la Plata, Oceanside, CA 92056. This business is operated by an Individual.

First day of business: 3/17/2025

/s/ Hilda Esther Barron Partida with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 3/17/2025

4/3, 4/10, 4/17, 4/24/2025

fICTITIOuS buSINESS NaME STaTEMENT 2025-9008077

The name of the business: On Call Mechanical Services, located at 1119 S. Mission Rd., #108, Fallbrook, CA 92028. Registrant, On Call Mechanical Services Inc., 1119 S. Mission Rd., #108, Fallbrook, CA 92028. This business is operated by a Corporation. First day of business: 1/30/2017 /s/ Tyler Lee Dean, President with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 4/23/2025

5/15, 5/22, 5/29, 6/5/2025

fICTITIOuS buSINESS NaME STaTEMENT 2025-9008291

The name of the business: Crossroads Holistic Health Center, Crossroads Health Center, located at 28630 Valley Center Road, Valley Center, CA 92082. Registrant, N8 Inc, 28630 Valley Center Road, Valley Center, CA 92082. This business is operated by a Corporation. First day of business: 2/1/2000

/s/ Hollee Rhinehart, Vice President with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 4/28/2025 5/15, 5/22, 5/29, 6/5/2025

fICTITIOuS buSINESS NaME STaTEMENT 2025-9007582

The name of the business: MJS Associates, located at 3140 El Camino Real, Ste 323, Carlsbad, CA 92008. Registrant, Murray Jay Stone, 3140 El Camino Real, Ste 323, Carlsbad, CA 92008. This business is operated by an Individual. First day of business: 6/12/1986 /s/ Murray Jay Stone with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 4/17/2025 5/8, 5/15, 5/22, 5/29/2025

fICTITIOuS buSINESS NaME STaTEMENT 2025-9008892

The name of the business: California Anxiety and Perinatal therapy, located at 9984 Scripps Ranch Blvd., Ste 384, San Diego, CA 92131. Registrant, Annabelle Mebane Marriage and Family Therapy Inc, 9984 Scripps Ranch Blvd., Ste 384, San Diego, CA 92131. This business is operated by a Corporation. First day of business: N/A /s/ Annabelle Mebane, CEO with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 5/6/2025 5/15, 5/22, 5/29, 6/5/2025

fICTITIOuS buSINESS NaME STaTEMENT 2025-9009298

The name of the business: Immaculate Heart Massage Therapy, located at 1582 W. San Marcos Blvd., Suite 304, San Marcos, CA 92078. Registrant, Marlen Rodriguez Mejia, 1670 E. El Norte Pkwy, Spc 16, Escondido, CA 92025. This business is operated by an Individual. First day of business: N/A

/s/ Marlen Rodriguez Mejia with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 5/13/2025 5/22, 5/29, 6/5, 6/12/2025

fICTITIOuS buSINESS NaME STaTEMENT 2025-9009145

The name of the business: Sharp Top Pharma Consulting LLC, located at 725 Thorntree Court, San Marcos, CA 92078. Registrant, Sharp Top Pharma Consulting LLC, 725 Thorntree Court, San Marcos, CA 92078. This business is operated by a Limited Liability Company. First day of business: 2/1/2025

s/ Frank Blondino, President with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 5/9/2025 5/22, 5/29, 6/5, 6/12/2025

fICTITIOuS buSINESS NaME STaTEMENT 2025-9008986

The name of the business: Pizza Sensei, located at 1035 East Vista Way, #186, Vista, CA 92084. Registrant, The Olive Twig LLC, 1035 East Vista Way, #186, Vista, CA 92084. This business is operated by a Limited Liability Company. First day of business: N/A s/ Ivan Patrick Z. Oliveros, Managing Member with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 5/7/2025 5/22, 5/29, 6/5, 6/12/2025

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STaTEMENT 2025-9009226

The name of the business:

Bloom Psychology, located at 310 S. Twin Oaks Valley Road, Ste 107-474, San marcos, CA 92078. Registrant, Bloom Healing Psychology PC, 310 S. Twin Oaks Valley Road, Ste 107-474, San Marcos, CA 92078. This business is operated by a Corporation. First day of business: 7/2/2019

s/ Anna Yam, CEO with Jordan Z. Marks, SD County Clerk/ Recorder of San Diego on 5/12/2025 5/22, 5/29, 6/5, 6/12/2025

ORdER TO SHOW CauSE

fOR CHaNgE Of NaME

25Cu024286N TO ALL INTERESTED PER-

SONS: Petitioner Victoria Tarulis filed a petition with this court for a decree changing names as follows: Present name: Victoria Tarulis to Proposed name Wick Tarulis. THE COURT ORDERS that all persons interested in this matter shall appear before this court at the hearing indicated below to show cause, if any, why the petition for change of name should not be granted. Any person objecting to the name changes described above must file a written objections that includes the reasons for the objection at least two court days before the matter is scheduled to be heard and must appear at the hearing to show cause why the petition should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing.

NOTICE OF HEARING:

Date: June 27, 2025, 8:30 am, in Dept. 25

The address of the court is:

325 S. Melrose Dr., Vista, CA 92081. A copy of the Order to Show Cause shall be published at least once each week for four successive weeks prior to the date set for hearing on the petition in the following newspaper of general circulation, printed in this county: San Marcos News Reporter, dba, The Paper, 845 W. San Marcos Blvd, San Marcos, Ca. 92078. Dated May 12, 2025

/s/ Brad A. Weinreb, Judge of the Superior Court

5/22, 5/29, 6/5, 6/12/2025

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STaTEMENT 2025-9003000

The name of the business: Thoresen Painting Co., located at 378 Paseo Marguerita, Vista, CA 92084. Registrant, Jacob Alan Walter Thoresen, 378 Paseo Marguerita, Vista, CA 92084. This business is operated by an Individual. First day of business: N/A

s/ Jacob Thoresen with Jordan Z. Marks, SD County Clerk/ Recorder of San Diego on 2/13/2025 3/13, 3/20, 3/27, 4/3/2025

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STaTEMENT 2025-9009751

The name of the business: Checked Right Services, lo-

cated at 7232 Columbine Dr., Carlsbad, CA 92011. Registrant, Anthony Mark Tyrone Beckett, 7232 Columbine Dr., Carlsbad, CA 92011. This business is operated by an Individual. First day of business: N/A

s/ Anthony Mark Tyrone Beckett with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 5/16/2025 5/22, 5/29, 6/5, 6/12/2025

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STaTEMENT 2025-9009762

The name of the business: Hilltop Apartments, located at 695 Hillside Terrace, Vista, CA 92084. Registrant, Leigh Rayner Trustee of the Rayner Family Trust 02-04-2000. This business is operated by a Trust. First day of business: 11/26/1996 s/ Leigh Rayner Trustee of the

Rayner Family Trust 02-042000 with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 5/16/2025 5/22, 5/29, 6/5, 6/12/2025

fICTITIOuS buSINESS NaME

STaTEMENT 2025-9009479

The name of the business: Dogitek Pet Waste Removal, located at 1167 Barry Pl, Escondido, CA 92026. Registrant, Mikhail Idris Antaran, 1167 Barry Pl, Escondido, CA 92026. This business is operated by an Individual. First day of business: 5/14/2025 /s/ Mikhail Idris Antaran with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 5/14/2025 5/29, 6/5, 6/12, 6/19/2025

fICTITIOuS buSINESS NaME

STaTEMENT 2025-9009043

The name of the business: Café Boleros, located at 2607 Via Bocas, Carlsbad, CA 92010. Registrant, Julio Salvador, 2607 Via Bocas, Carlsbad, CA 92010. This business is operated by an Individual.

First day of business: 5/1/2025 /s/ Julio Salvador with Jordan Z. Marks, SD County Clerk/ Recorder of San Diego on 5/8/2025 5/29, 6/5, 6/12, 6/19/2025

fICTITIOuS buSINESS NaME

STaTEMENT 2025-9010051

The name of the business: The Davidson Group Realty, located at 1350 San Pablo Drive, San Marcos, CA 92078. Registrant, Plant It Health Inc, 1350 San Pablo Drive, San Marcos, CA 92078. This business is operated by a Corporation.

First day of business: 1/15/1999 /s/ Janice C. Davidson, President with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 5/21/2025 6/5, 6/12, 6/19, 6/26/2025

fICTITIOuS buSINESS NaME

STaTEMENT 2025-9010397

The name of the business: Working Wisely LLC, located at 2415 TurnBridge Gln, Escondido, CA 92027. Registrant, Working Wisely LLC, 1835A S. Centre City Pkwy, Unit 1010, Escondido, CA 92025. This business is operated by a Limited Liability Company. First day of business: N/A /s/ Charlotte Romero, CEO with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 5/28/2025 6/5, 6/12, 6/19, 6/26/2025

fICTITIOuS buSINESS NaME

STaTEMENT 2025-9010270

The name of the business: Slow To’ Rollz, located at 864 Fulton Rd., San Marcos, CA 92069. Registrant, Taste Bud Brands, 864 Fulton Rd., San Marcos, CA 92069. This business is operated by a Limited Liability Company.

First day of business: N/A /s/ Amber Nicole Rumer, CEO with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 5/27/2025 6/5, 6/12, 6/19, 6/26/2025

fICTITIOuS buSINESS NaME

STaTEMENT 2025-9007728

The name of the business: Ramona Lisa Pizza, located at 23670 San Vicente Rd., Ramona, CA 92065. Registrant, Pine Palace Inc., 23670 San Vicente Rd., Ramona, CA 92065. This business is operated by a Corporation.

First day of business: 7/1/2016 /s/ Sarine Bidoyan, CFO with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 4/18/2025

6/5, 6/12, 6/19, 6/26/2025

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STaTEMENT 2025-9010276

The name of the business: Quo-

LEGALS

temoto, located at 197 Woodland Pkwy, Ste 104 #1025, San Marcos, CA 92069. Registrant, Road Sheild LLC, 197 Woodland Pkwy, Ste 104 #1025, San Marcos, CA 92069 . This business is operated by a Limited Liability Company. First day of business: N/A /s/ Amber Nicole Rumer, CEO with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 5/27/2025

6/5, 6/12, 6/19, 6/26/2025

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STaTEMENT 2025-9009478

The name of the business: Caddy Mart #2, located at 29105 Valley Center Rd., #105, Valley Center, CA 92082. Registrant, Thomas Dennis Hogan, 29105 Valley Center Rd., #105, Valley Center, CA 92082. This business is operated by an Individual.

First day of business: 4/1/2025

/s/ Thomas Dennis Hogan with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 5/14/2025 6/5, 6/12, 6/19, 6/26/2025

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STaTEMENT 2025-9009296

The name of the business: Daniel Liegh Business Services, located at 609 Sabrina Way, Vista, CA 92084. Registrant, Daniel Liegh Fieser, 609 Sabrina Way, Vista, CA 92084. This business is operated by an Individual.

First day of business: 5/10/2025

/s/ Daniel Liegh Fieser with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 5/12/2025 6/5, 6/12, 6/19, 6/26/2025

NOTICE Of PETITION TO adMINISTER ESTaTE

Of darryl Robert Richards Case No. 25PE000931C SUPERIOR COURT OF CALIFORNIA, COUNTY OF SAN DIEGO 1100 Union Street San Diego, CA. 92101

To all heirs, beneficiaries, creditors, contingent creditors, and persons who may otherwise be interested in the will or estate or both, of Darryl Robert Richards. A Petition for Probate has been filed by Julia Richards in the Superior Court of California, County of San Diego, 1100 Union Street, San Diego, CA. 92101 Central Courthouse.

The petition requests the decedent’s will and codicils, if any, be admitted to probate. The will and any codicils are available for examination in the file kept by the court. The petition requests authority to administer the estate under the Independent Administration of Estates Act. (This authority will allow the personal representative to take many actions without obtaining court approval. Before taking certain very important actions, however, the personal representative will be required to give notice to interested persons unless they have waived notice or consented to the proposed action.) The independent administration authority will be granted unless an interested person files an objection to the petition and shows good cause why the court should not grant the authority.

A hearing on the petition will be held in this court as follows:

Date: June 25, 2025

Time: 1:45 pm

Dept: 502

Address of court: Same as noted above.

If you object to the granting of the petition, you should appear at the hearing and state your objections or file written objections with the court before the hearing. Your appearance may be in person or by your attorney.

If you are a creditor or a contingent creditor of the decedent, you must file your claim with the court and mail a copy to the personal representative appointed by the court within the later of either (1) four months from the date of first issuance of

letters to a general personal representative, as defined in section 58(b) of the California probate Code, or (2) 60 days from the date of mailing or personal delivery to you of a notice under section 9052 of the California Probate code. Other California statutes and legal authority may affect your rights as a creditor. you may want to consult with an attorney knowledgeable in California law. You may examine the file kept by the court. If you are a person interested in the estate, you may file with the court a Request for Special Notice (form DE-154) of the filing of an inventory and appraisal of estate assets or of any petition or account as provided in Probate Code section 1250. A Request for Special Notice form is available from the court clerk.

Attorney for Petitioner:

Samuel Kelsall V, Esq. 815 Civic Center Drive Oceanside, CA 92054

760-722-4221

DOP: 5/29, 6/5, 6/12, 6/19/2025

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STaTEMENT 2025-9009034

The name of the business: Next Gen Constructors, located at 617 Spires Street, Vista, CA 92083. Registrant, Orvelin Carachure Aviluz, 617 Spires Street, Vista, CA 92083, Eoras Carachure, 617 Spires Street, Vista, CA 92083, Eleuterio Carachure Aviluz, 617 Spires Street, Vista, CA 92083, Maurilia Parra, 617 Spires Street. Vista. CA 92083. This business is operated by a General Partnership. First day of business: N/A /s/ Orvelin Carachure Aviluz with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 5/7/2025 6/5, 6/12, 6/19, 6/26/2025

fICTITIOuS buSINESS NaME

STaTEMENT 2025-9009678

The name of the business: Park Avenue Beauty Parlor, located at 314 Park Ave., Vista, CA 92084. Registrant, Candice Leigh Earnhart, 314 Park Ave., Vista, CA 92084. This business is operated by an Individual. First day of business: 5/8/2025 /s/ Candice Leigh Earnhart with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 5/16/2025 6/5, 6/12, 6/19, 6/26/2025

fICTITIOuS buSINESS NaME

STaTEMENT 2025-9009398

The name of the business: Bloom, Bloom Boutique, located at 2653 Gateway Road, Suite 102, Carlsbad, CA 92009. Registrant, MadKat Couture, Inc, 2653 Gateway Road, Suite 102, Carlsbad, CA 92009. This business is operated by a Corporation.

First day of business: 7/24/2015 /s/ Rejane Wagner, CEO with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 5/14/2025 6/5, 6/12, 6/19, 6/26/2025

fICTITIOuS buSINESS NaME

STaTEMENT 2025-9010225

The name of the business: Hildas Birrieria, located at 4227 Thomas St., Oceanside, CA 92056. Registrant, Christopher Bautista, 4227 Thomas St., Oceanside, CA 92056. This

business is operated by an Individual.

First day of business: 5/27/2025 /s/ Christopher Bautista with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 5/27/2025

6/5, 6/12, 6/19, 6/26/2025

fICTITIOuS buSINESS NaME

STaTEMENT 2025-9008335

The name of the business: Angelo’s Towing & Recovery, located at 301 West Del Sol Road, Palm Springs, CA 92262. Registrant, Alexandra Recovery Services, Inc., 501 Front Street, El Cajon, CA 92020. This business is operated by a Corporation.

First day of business: 4/28/2025

/s/ Louy Suliman, Secretary with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 4/28/2025 6/5, 6/12, 6/19, 6/26/2025

fICTITIOuS buSINESS NaME

STaTEMENT 2025-9008590

The name of the business: Cali Comfort Homes, located at 2188 Foothills Dr., Vista, CA 92084. Registrant, Francisco Vasquez, 2188 Foothills Dr., Vista, CA 92084. This business is operated by an Individual. First day of business: N/A /s/ Francisco Vasquez with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 5/1/2025 6/5, 6/12, 6/19, 6/26/2025

fICTITIOuS buSINESS NaME

STaTEMENT 2025-9009052

The name of the business: Rustiq Beauty Bar, located at 342 W. El Norte Pkwy, Suite 105 & 110, Escondido, CA 92026. Registrant, Daisy Valdovinos, 15419 Villa Sierra Rd., Valley Center, CA 92082. This business is operated by an Individual. First day of business: N/A /s/ Daisy Valdovinos with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 5/8/2025 6/5, 6/12, 6/19, 6/26/2025

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STaTEMENT 2025-9008742

The name of the business: DoorDash Laundry, located at 3372 Edgeview St., San Marcos, CA 92078. Registrant, Jessica Flores, 3372 Edgeview St., San Marcos, CA 92078, Lorenzo B. Arvizu, 3372 Edgeview St., San Marcos, CA 92078. This business is operated by CoPartners.

First day of business: 5/1/2025 /s/ Jessica Flores with Jordan Z. Marks, SD County Clerk/ Recorder of San Diego on 5/2/2025 6/5, 6/12, 6/19, 6/26/2025

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STaTEMENT 2025-9010479

The name of the business: Lucy’s Timeless Treasures, located at 765 Avenida Codorniz, San Marcos, CA 92069. Registrant, Lucy Qun Yu, 765 Avenida Codorniz, San Marcos, CA 92069. This business is operated by an Individual.

First day of business: N/A /s/ Lucy Qun Yu with Jordan Z. Marks, SD County Clerk/ Recorder of San Diego on 5/29/2025

6/5, 6/12, 6/19, 6/26/2025

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STaTEMENT 2025-9010635

The name of the business: Nekter Juice Bar San Marcos, located at 133 S. Los Posas Rd., Suite 142, San Marcos, CA 92078. Registrant, San Diego Juice Bar LLC, 133 S. Los Posas Rd., Suite 142, San Marcos, CA 92078. This business is operated by a Limited Liability Company.

First day of business: 6/2/2025 /s/ Joseph Hanna, CEO with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 6/2/2025

6/5, 6/12, 6/19, 6/26/2025

fICTITIOuS buSINESS

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STaTEMENT 2025-9008411

The name of the business: Andrew Marin Law, located at 304 Kalmia St., San Diego, CA 92101. Registrant, Andrew Vincent Marin, 304 Kalmia St., San Diego, CA 92101. This business is operated by an Individual. First day of business: 3/19/2020 /s/ Andrew Vincent Marin with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 64/29/2025

6/12, 6/19, 6/26, 7/3/2025

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STaTEMENT 2025-9009386

The name of the business: Scholar 4.0 Contracting Handyman Services, located at 989 Rose Mountain Rd., San Marcos, CA 92069. Registrant, Mariusz Bezak, 43538 Savona St., Temecula, CA 92592. This business is operated by an Individual. First day of business: 5/13/2025 s/ Mariusz Bezak with Jordan Z. Marks, SD County Clerk/ Recorder of San Diego on 5/13/2025

5/22, 5/29, 6/5, 6/12/2025

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STaTEMENT 2025-9011014

The name of the business: Hyperion Home Remodel & Contracting, Hyperion Home Remodel Design & Build, located at 251 N. City Drive, San Marcos, CA 92078. Registrant, Hyperion GRP LLC, 2541 N. City Drive, San Marcos, CA 92078. This business is operated by a Limited Liability Company. First day of business: 4/20/2023 s/ Brian Amodio, President with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 6/6/2025 6/12, 6/19, 6/26, 73/2025

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STaTEMENT 2025-9010540

The name of the business: Kelly Kaitson LCSW, located at 1000 E. San Marcos Blvd., #400, San Marcos, CA 92069. Registrant, Kelly Kaitson Psychotherapy, Inc., 100 E. San Marcos Blvd., #400, San Marcos, CA 92069. This business is operated by a Corporation. First day of business: 7/25/2018 s/ Kelly Kaitson, President with Jordan Z. Marks, SD County Clerk/Recorder of San Diego on 5/30/2025 6/12, 6/19, 6/26, 73/2025