S@N DIEGO COUNTY’S
from th_
FRONT PORCH Journ[l
REFIN@NCE NOW WH@T’S STOPPING YOU?
HOLID@Y HOSPIT@LITY
INEXPENSIVE W@YS TO M@KE YOUR GUESTS FEEL @T HOME
IN B@RG@IN HUNTER TOP TEN CHRISTM@S RE REMINDERS MINDERS
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The Real Estate Series Br in A g
Complimentary Appetizers & Drinks
Fr ie nd !
UPCOMING EVENTS DATE
EVENT
January 10 , 2011
Decorate With What You Already Have
February 7, 2012
Get Your Home Organized
March 13, 2012
Be Tax Wise
April 17, 2012
Creating Great Curb Appeal
June 12, 2012
Protecting Your Assets
CAROLYN PLUMMER
Rosemary Joles
All Events Are Free! Time: 6:30-8:30 Where: To Be Announced Limited Seating Please RSVP 619-405-7673 or 858-550-2541
contents
nov_m\_r/^_]_m\_r
5
7
12 14 From the Front Porch Journal Compliments of:
the
JOLES group
Rosemary Joles Realtor 619·405·7673 Homes@InHarmonyWithYourDreams.com 8310 La Mesa Blvd. La Mesa, CA 91942
^_p[rtm_nts 4 the real estate brief a note from rosemary refinance now 5 lifestyle experience sd theatre oenophile 6 home personalize your holidays 7 home holiday hospitality 8 family corner bargain hunter out of the mouths front porch wisdom 9 et cetera where’s rosemary delish 10 eye candy cliff may work of art 12 minutia useless knowledge bravo and mia bites rosebud’s garden 13 front porch pickin sd concerts 14 bits and pieces books or blogs podsabilities ponderings appaholics ingenious 15 sd outdoors chargers schedule park exploration 16 nitty gritty building ordinance coverage 17 for lease 1580 Union St. 18 domiciles from east county to coast
the real estate brief a note from rosemary My favorite holiday will soon be upon us, Thanksgiving. We have so much to be grateful for here in San Diego. The most perfect weather year round. Driving distance to dessert, mountains/ snow, ocean or even a foreign country. On top of all that it is without a doubt a visually beautiful place to live! Most of all though, what I love is the tradition and the freedom of gathering of friends and family in homes across America, eating yummy food, playing or watching a game and taking the time to connect with one another. It’s a time to appreciate all that we’ve been blessed with and if you look at the world around you. We have been abundantly blessed. In the real estate world a change to an old program is definitely something to be thankful for. HARP (Home Affordable Refinance Program) is now new and improved. It will help families in todays tough real estate market stay in their homes by providing loans at today’s great rates, even if the homeowner owes more on it than what the home is worth. To learn all the details about the program go to my blog www.LivinInLaMesa.com.
The San Diego market was not something that was looking so great when you looked at the month to month numbers for August 2011 to September of 2011. Detached home sales were down 2.5% and condos were down a whopping 13.6% . I never like to rely on those month to month numbers though as those numbers can be skewed by so many different things. The good news is that our year over year September 2010 to September 2011 saw an 8 % increase in sales and the condo/townhouse market remained unchanged. Our inventory is sitting at an average of about 4 months. We may see this number creep up with the coming busy holidays. If you would like an evaluation of our homes current value please feel free to give me a call. I would love to help. Until next time, blessings to each of you and your families during this wonderful holiday season.
refinance now Calling all home owners! It is time to do a mortgage check up and see if it makes sense to refinance your current mortgage. Interest rates are still at historic lows. If your rate is more than 5.45% APR on a fixed rate loan, or if you have an adjustable-rate loan about to reset, all inancing c , e y there are potential one u pleas if ref H benefits for refinancing. yo o see s…. n a C Refinancing now could n t for u ou y l o r lower your monthly Ca s sense love y heila mortgage payments. If you I S make ks and have equity in your property, n you may want to consolidate Tha higher interest rate debts into the mortgage. Or you may want to opt for a shorter term, allowing you to pay less over the life of the loan. There are special “streamline” refinancing programs available to FHA mortgages. You can refinance your existing FHA-insured loan with less paperwork and lower costs than other home loan refinancing options. Plus, you may qualify with no appraisal. Here are some of the basic requirements for this type of refinance:
At least one borrower must be employed No income or asset qualifying in most cases Minimum of a 640 fico score is required The mortgage to be refinanced must be current ( not delinquent) There may be no late payments on the existing FHA loan in the past 12 months The reduction in the new mortgage payment must be at least 5% lower than your current mortgage payment. Do you have a loan that has an adjustable rate that is about to increase? There are several fixed-rate loan programs to choose from that can fit your lifestyle and budget. And given today’s historically low rates, you can lock in your loan for the long term and not worry about market fluctuations. If you refinance your home before your rate changes, you’ll have peace of mind and could save thousands of dollars over the life of you loan. The fees associated with a refinance can often be financed into the loan so there is little to no cash out of pocket expenses. There are also no closing costs options meaning zero points and zero fees to refinance. Please contact me today to do a mortgage review and discuss the various options ideal for your situation. Carolyn Plummer is a mortgage professional with Prospect Mortgage. She has been in the mortgage industry for 25 years. When she is not busy helping clients with their mortgage needs she is spending time with her husband of 23 years and her 14 year old daughter. Carolyn can be contacted at 858-550-2541 or Carolyn.plummer@prospectmtg.com
lifestyle experience sd theatre Lamb’s Players Theater
Broadway San Diego
lambsplayers.org
Broadwaysd.com
Mixtape Extended again to December 18
Come Fly Away November 8-November13
Servant of Two Masters October 7- November 20
Riverdance December 2-December 4
Festival of Christmas December 1- December 30 An American Christmas December 11-24
The Coronado Playhouse coronadoplayhouse.com The Drowsy Chaperone October 28-December 4
The Old Globe
San Diego Repertory Theatre sdrep.org The Great American Trailer Park Musical November 5-December 4
theoldglobe.org The Rocky Horror Picture Show September 15– November 6 How The Grinch Stole Christmas November 19-December 31 Some Lovers November 26-December 31
discover the barrel room at san pasqual winery in la mesa reaction is always, Wow! Wouldn’t this be a great place for … and then the ideas start popping. We’ve hosted everything from bridal showers to networking meetings, but the common theme is always wine.” There are several wine tasting packages to choose from or Brenda can customize one to earching for that perfect venue for fit the event. A variety of a holiday event or maybe a special food options are also location for a wine lover’s birthday available, from simple cheese party? Try the Barrel Room and crackers to catered tucked away in the back of the San Pasqual dinners. “We can hold 50 or Winery Tasting Room & Gallery. Didn’t 60 people for a walk-around event or seat know about it? “Most of our customers up to about 40 for a sit-down dinner. For don’t,” says Brenda Nason, SPW’s Event a really big event, we’ll shut the doors and Coordinator. “It’s kind of our little secret rent out the whole space!” (New Years Eve that people find out about through our party anyone?) For more information, or to wine club parties or word of mouth. book your event, contact Brenda at (619) When we bring people back here, the 462-1797 or Email her at:
oenophile Brenda@SanPasqualWinery.com. Better yet, stop by for a glass of wine and discover the Barrel Room first hand! But do it soon, as the secret is getting out - and dates are filling up for the holidays!
S
San Pasqual Winery Tasting Room & Gallery is located at 8364 La Mesa Blvd. in the Village of La Mesa and is open for wine tasting, wine by the glass, and retail sales seven days a week.
personalize your holidays
home
Elle Schaeffer Graphic Designer
If
you are like most people, you struggle to come up with unique gifts and decorations for the holiday season. With the economy being what it is, and no extra money to spend, it is becoming harder and harder to do. I know a lot of people don’t consider themselves “creative” or even “crafty” but if you have a computer and an ink jet printer you can create clever gifts and decorations that will amaze your friends and family. Personalization is the key! Here are a few ideas: Iron Ons: For that cook in the family. You can buy plain colored aprons at Michaels craft stores, buy some t-shirt transfer iron on paper that works on your inkjet printer. Create a clever saying that suits your recipient, print it, iron it on… and voila! A personalized gifts costing less than $10 but because it is personal, has so much more value. Another easy little gift is a personalized origami box. By printing the paper you use to make your origami, you can have a personalized box filled with candy, cookies, Legos or anything. These make great place holders at a table for parties and weddings. There are easy instructions on how to make various origami items all over the internet! (If you wish to get the instructions for the box above just email me.) Then it is just a matter of printing your paper prior to folding. You may have to get creative to figure out how to get the images to print correctly on the paper, but if you need help with that just let me know. If you need more ideas for holidays or help for either of these projects, just email me at info@ensmd.com! You can also view my portfolio at ensmd.com for any of your other graphic design needs.
You can also do this with t-shirts, baby bibs and more! Elle Schaeffer is a freelance Graphic designer and Marketing Consultant, specializing in small business. Elle has been working with small business owners for over 15 years to help them come up with creative and unique ways to market themselves. When Elle is not sitting at her computer, you can find her Mountain Biking the trails around San Diego with her husband K.C.
holiday hospitality
N
Rita Mailheau, Simplify Staging and Redesign, Inc.
othing says welcome like a well-appointed guestroom. In this article we will discuss some easy-to-do touches that will have your visitor feeling like they are home for the holidays.
One of the first things to do, after a thorough dusting, is to clear some space in the closet and dresser so your guest can unpack. Set out some pretty towels – bath, hand, and washcloth – and a little welcome note telling your friend or loved one how glad you are that they have made the journey will warm
“...a little welcome note telling your friend or loved one how glad you are that they have made the journey will warm their heart.” Rita Mailheau
their heart. A few good books, some novels and a picture book on the night stand is another great touch and gives guests something to do in the quiet moments they may need to pull back and rest a bit. Another detail, especially for folks who are unfamiliar to the area is a list of local points of interest. Whale watching is a huge attraction in San Diego around the holidays. Send them to www.sandiego.org/nav/Visitors, for some research before they arrive to our fair town. They should also check out YELP: www.yelp.com/san-diego. A little gift that works great in San Diego, where the sun is strong, is a ball cap. It keeps them warm when it’s cool and shaded when it’s hot. A basket with some toiletries place in bath or bedroom is an elegant touch. Bath and Body Works has a three bottle for $10 deal and you can get travel size soaps, shampoo, lotion and so forth that have a nice fragrance. One of my friends mentioned locally made treats, such as candy or baked goods at Shakespeare’s Corner Shoppe, [check YELP]. Not only are local specialties enjoyable, but they can generate lively conversation or provide an interesting excursion. Judy Sullivan has over twenty-five years of experience decorating many different types of homes. She recently completed a feature film working as set decorator and property manager. What I bring to my clients is a common sense approach to decorating and staging homes for everyday living.
Rita Mailheau has worked in both the home and as an administrative professional in the Tech and Hospitality Industries. I have worked as a housekeeper,
and know how rewarding it is to have a home staged for simple cleanup. We can help you Simplify your life, so that you're spending your time where it counts the most.
family corner bargain hunter bar·gain [bagr-guhn}] -noun 1. an advantageous purchase, esp. one acquired at less than the usual cost: The sale offered bargains galore.
Top Ten Christmas Reminders... When you are committed to making wiser financial decisions it is still easy to get caught up in the holiday madness. We have come up with a list to help. Josh and Liane’s Top Ten Christmas Reminders... 1. Christmas is going to be in December this year. Plan on it. We recommend setting aside money all year just for Christmas. When December rolls around, you will be prepared!
wants to be paying for Christmas this time next year anyway? 8. Santa, aka: mom and dad, can fill stockings and the grandparents can do the rest. We have noticed that our children get spoiled so much by grandparents, aunts and uncles, that we don’t really have to add to it. If your family is anything like ours, just stick with doing the stockings, it’s cheap! This is especially true if you have little ones. 9. Look for free events. You don’t have to spend $400 on tickets to The Nutcracker. There are always lights, parades, church services, Christmas productions to get into the Christmas spirit. 10. Most of our favorite Christmas memories have nothing to do with gifts. They are special family traditions, spending time baking with Grandma, and kodak moments with loved ones. This is the stuff Christmas is made of, not the gadgets, toys, and credit cards. Our new, favorite tradition is having our kids tell the REAL Christmas story to the video camera and being able to share Christ (yes, and our cute kids) with friends and family. Merry Christmas!
Josh and Liane Wilson rent in Escondido with their three children. Josh is Pastor of Ministry Production at New Venture Christian fellowship and Liane is a stay at home mom. They have no business writing a financial column because they are still regular shmoes, but have big plans.
Dalmations purpose?
2. Just like Santa, make a list. Check it twice along with your budget. It is okay to have a short list! Just because Great Aunt Sally buys everyone gifts does not mean you have to as well.
A grandfather was delivering his grandchildren to their home one day when a fire truck zoomed past. Sitting in the front seat of the fire truck was a Dalmatian dog. The children started discussing the dog's duties. "They use him to keep crowds back," said one child. "No," said another. "He's just for good luck." A third child brought the argument to a close. "They use the dogs," she said firmly, "to find the fire hydrants."
3. While shopping, it is good to ask yourself if it is a need or a want. We think it is okay to buy people things they need; you know they will really use it! That gift will be less likely to be re-gifted (we do not, however, recommend re-gifting in general). 4. Here are some inexpensive or homemade gift ideas that we have used in the last few years-- personalized coffee mugs (ordered online) or funny slippers for the whole family. We get everyone similar items- helps with the budget, shopping stress and jealousy. Grandparents and extended family loved our one-page calendar with pictures of the kids and the video of the kids telling the Christmas story. Homemade goodies like cookies, cupcakes, or chocolate truffles are always in style. 5. Just stay out of the mall. 6. Do you really need more Christmas decorations? Ouch. This one is terribly hard for Liane. Her favorite shopping day has become the day after Christmas because all that fabulous stuff is on sale! We actually have a special budget for her just for that day. Kind of sad, yet apparently very necessary. 7. Even Christmas is not worth going into debt over. If you can’t afford it in cash now, you can not afford it. Who really
out of the mouths
front porch wisdom “When I was about 3, my grandfather would give me and my sister a nickel to sit out on the front porch with him and sing songs.” -Tommy Shaw-
Come Sit for a Spell
where’s rosemary? I love exploring this beautiful county that we live in. In every issue of From the Front Porch you’ll find a photo of different places that I’ve been in San Diego County. Your goal is to figure out where I took the photo. Submit your guess by Nov. 20th, 2011 and the first correct answer will win a $25 gift card to the restaurant of their choice! You can email them to: Homes@InHarmonyWithYourDreams.com or call them into 619-405-7673. Thanks for playing!
et cetera
pecan pralines
where was rosemary? Shelter Island Tuna Fisherman Tribute We have a winner! Linda Weber of Escondido, CA received a $25.00 gift card to Il Fornio
delish
1 egg white 1 tablespoon water 1 pound pecan halves 1 cup white sugar 3/4 teaspoon salt 1/2 teaspoon ground cinnamon
Recipe Credit: Brenda Herring
Directions: 1. Preheat oven to 250 degrees. Grease one baking sheet. 2. In a mixing bowl, whip together the egg white and water until frothy. In a separate bowl, mix together sugar, salt, and cinnamon. 3. Add pecans to egg whites, stir to coat the nuts evenly. Remove the nuts, and toss them in the sugar mixture until coated. Spread the nuts out on the prepared baking sheet. 4. Bake at 250 degrees for 1 hour. Stir every 15 minutes.
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the
JOLES group
V liff May Work of Art
4366 Altamirano Way· San Diego· CA· 92103 $1,298,000.00 Inspired by the architecture of a 19th century California ranch home, this prominent residence celebrates the genius of California architect Cliff May. With the property surrounded by a Mediterranean stucco wall, a signature heavy wooded gate invites you into the front courtyard and reveals this two-story treasure that takes you to another era. May’s extraordinary craftsmanship can be seen throughout this home from his beehive fireplaces to the exposed beam wood ceilings. Enhancing the entire experience are the light filled windows that May’s used to establish an indoor/outdoor relationship. Further connections to the outdoors are achieved through the use of French doors, balconies, covered porches and front patios. This home acclaims a rare example of architectural integrity. Don’t wait, this opportunity may never come your way again. The last time this home was on the market was in 1949.
4 Bedroom 4 Bathroom
2 Car Garage
2833 Sq. Ft.
Historic North Mission Hills Location
9500 Sq. Ft. Lot
Walking Distance to Presidio Park
Rosemary Joles
In Harmony With Your Dreams Homes@InHarmonyWithYourDreams.com 619-405-ROSE (7673) 8310 La Mesa Blvd. La Mesa, CA 91942
minutia Male monkeys lose the hair on their heads in the same manner men do. Todd Joles known as Todd the “Toolman”, is a handyman by day, a passionate luthier by night, mandolin/bluegrass aficionado by choice, and a purveyor of this useless knowledge. His wife Rosemary threatens it’s going to get him into Jeopardy training one day. In the meantime if you are in need of handyman services you can contact Todd at 619-985-5017.
bravo and mia bites
Photo compliments of: Rebecca Johnson
useless knowledge
Bravo and Mia Say: “If you want the best seat in the house, move the dog.” The newest addition to the Rebecca and Shayne Johnson household is a puggle named Mia. Diva Mia is the one with the pink collar to the left. We finally got Bravo and Mia to sit still long enough to take a photo. Of course the only way we could do that is by catching them sleeping! Bravo still spends most days working at getting peanut butter out of his Kong and is definitely terrorized daily by Mia. He is truly the innocent one of the two as Mia has taken over the role of the family terrorist! Mia and Bravo are the grandpuppies of Rosemary and Todd Joles.
botanical name: liquidambar styraciflua common name: liquid amber Likes: Sun, part shade Hates: Too much water Blooms: Chartreus Negatives: Seed pods are a trip hazard and roots can lift sidewalks Bonus: Fall colors in San Diego, low water
“The best time to plant a tree is 20 years ago. The second best time is now! Photo compliments of: Rosemary Joles
rosebud’s garden Rosemary Joles is passionate about low-water gardening in San Diego. She loves creating gardens that look like lush water thirsty gardens, yet need very little moisture to maintain them. Her other passions include real estate, lattes spending time with family and friends, reading, music and laughter!
sd concerts 12/1 Rob Ickes and Jim Hurst Location: Normal Heights Price: $20-$45 Time: 7:30 pm Info: amsdconcerts.com
1/14 Pilobolus Location: North Park Price: $30-$65 Time: 2:00 pm Info: ljms.com
12/2-4 Vivaldi’s four Seasons Location: Downtown Price: $20-$85 Time: 8:00 pm (2:00 pm Sunday) Info: sandiegosymphony.org
1/13-15 Lortie Plays Schumann Location: Downtown Price: $20-$85 Time: 8:00 pm (2:00 pm Sunday) Info: sandiegosymphony.org
12/3 Geoff Muldaur Location: Normal Heights Price: $25-$45 Time: 7:30 pm Info: amsdconcerts.com
1/20-21 Ballroom with a Twist Location: Downtown Price: $20-$72 Time: 8:00 pm Info: sandiegosymphony.org
12/5 Camera Lucida #4 Location: Downtown Price: $25 Time: 7:30 pm Info: sandiegosymphony.org
1/21 Dave Alvin Location: Normal Heights Price: $25/$52 Time: 7:30 pm Info: amsdconcerts.com
12/9-11 Beethoven’s Ninth Location: Downtown Price: $20-$85 Time: 8:00 pm (2:00 pm Sunday) Info: sandiegosymphony.org
1/23 Mark Hummel’s Blues Harmonica Blowout Location: Solana Beach Price: $25/$27 Time: 8:00 pm Info: bellyup.com
12/9 Arnaldo Cohen/ Liszt Location: La Jolla Price: $25-$75 Time: 8:00 pm Info: ljms.com
1/27 Arturo O’Farrill Septet Location: North Park Price: $35-$65 Time: 8:00 pm Info: ljms.com
12/13 Blind Boys of Alabama w/Sean and Sara Watkins Location: Solana Beach Price: $30/$32 Time: 7:30 pm Info: bellyup.com
1/27 Special Consensus Location: Pacific Beach Price: In lieu of tickets a good will offering will be taken. Time: 7:00 pm Info: sandiegobluegrass.org/events
12/17 Ellis Paul Location: Normal Heights Price: $20/$45 Time: 5:00 pm (family show) 7:30 pm Info: amsdconcerts.com 12/16-18 Winter Pops Holiday Pops Location: Downtown Price: $20-$72 Time: 8:00 pm (2:00 pm & 7:30 pm Sunday) Info: sandiegosymphony.org 1/7 Dave Stamey Location: Normal Heights Price: $20/$47 Time: 7:30 pm Info: amsdconcerts.com 1/13 Garrick Ohlsson/Bach, Liszt Location: La Jolla Price: $25-$75 Time: 8:00 pm Info: ljms.com
front porch pickin san diego music from classical to bluegrass
books or blogs
Loved, loved, loved this book. A compilation of love stories from World War II. You’ll not only read about couples love stories, but see some 1940’s era photos and artwork. In addition you’ll get a history lesson from many couples that have been together for 50 plus years. A great book to have by the night stand as the stories are short and a quick read. I picked mine up at the library but you can also check it out on Amazon.com as it’s a “Look Inside Book”.
podsibilities “Toolman” and I love the movie and the soundtrack from the movie A Good Year. It’s what's been playing on my iPod nonstop, since I downloaded it recently. It takes me back to the vineyards in the Luberon of Provence every time I hear it. Hey if you can’t make the real trip, it’s the next best thing! If you want to watch a feel good movie and hear some great music this is it.
appaholics As much as some of us may want to be at our homes 24/7, most of us can’t. If you are concerned about what happens while you’re away, then Dropcam or Dropcam Echo is for you. A wireless security system that just plugs in wherever you want to keep an eye on things. The cool part is you can view what’s happening via live feed with an app for your Android or iPhone. The next coolest part... the live feed is free! If you want to record so that you can view later, there are recording plans available that cost just $9.95 or $24.95 a month. No need to worry about privacy either as this service uses bank-style encryption technology. More info at: www.dropcam.com
Are you holding onto something that you should let go of?
bits and pieces From Marcandangel.com
ingenious
Last year’s Christmas card can become this year’s gift tag with judicious pruning. -Source: Real Simple Photo: Quentin Bacon
ponderings
Greeting Card to Gift Tag
SD Sports did you know???
The "huddle" in football was formed due to a deaf football player who used sign language to communicate and his team didn't want the opposition to see the signals he used and in turn huddled around him.
sd outdoors
p ar k expl orat ion eserve Santee Lakes Recreation Pr 9310 Fanita Parkway Santee, CA 92071 Phone: 619-596-3141 santeelakes.com santeelakes@padre.org
nitty gritty
building ordinance coverage?? In the Summer edition of Front Porch, we took a look at three things which you can do when moving into your new home. In this edition, I want to expand a little on one of them, Building Ordinance coverage. Sometimes overlooked, this is a very important coverage to consider. Homeowners are learning the importance of having adequate Dwelling property coverage (amount of insurance to rebuild your home), which provides the means for returning the building to the condition it was prior to the loss. What is not covered under the Dwelling property coverage, and is specifically excluded, is the increased cost of rebuilding, repair or remodeling created by the application of local, state and federal building codes. Building Ordinance coverage was developed to fill the gaps created by these exclusions.
from 2 to 5 times the cost of construction per square foot of the same structure. Coverage C: Coverage for the Increased Costs of Construction. This coverage includes the recovery of costs related to making the building compliant with current building codes. This coverage tends to be the most misunderstood of the three, as
A Practical Understanding When a building or structure is built it has to meet all current building codes. A building that was built to code at one time may not be in compliance at a later date. As a building becomes older and local, state and federal ordinance codes are changed, the risk of higher compliance expenses increase. Therefore it is important to select the right amount of coverage based on the age and location of the structure. To better understand how to select the right coverage for your specific situation, it may help to understand how the coverage works. ABCs of Building Ordinance Coverage
This coverage is excluded under the standard property policy and you may not be insuring to a true replacement cost value without adding this coverage. What Triggers Building Ordinance Coverage? Are you holding onto It is important to understand what triggers something thatBuilding you Ordinance coverage. This coverage responds only if the following occurs:
should let go of?
1. The loss is caused by a covered peril. 2. The loss breaches the “major damage” threshold as defined by the jurisdiction. “Major damage” is the term referring to a situation where the local jurisdiction considers the building beyond safe repair due to age, condition or previous compliance with building code. At this point, the jurisdiction would require the entire structure to be brought into compliance with current codes. 3. The damaged building must be lacking in, or deficient of, some aspect of local building codes in effect at the time of the loss. Building ordinance coverage has three parts, A, B and C, and each part is designed to meet a specific purpose, as follows: Coverage A: Coverage for Loss to the Undamaged Portion of a Building. Following a claim in which there is structural damage, if the undamaged portion of the building is rendered as unusable, or condemned, according to current ordinance law, then a total loss of the building would be incurred. This coverage would indemnify the home owner for the undamaged portion, even though there was no direct damage to that portion of the building. Coverage B: Coverage for the Cost of Demolition. This coverage pays for the cost to demolish the undamaged portion of the building. The coverage is dependent on several variables, such as local construction costs for demolition, the amount of the undamaged portion of the building, and special hazard issues, such as asbestos or lead insulation. A generic estimate can be
Take a little time to review your home insurance policy with your agent. A little time invested upfront could help you avoid a very costly pitfall later, and spare you a lot of headache. If you ever have any questions about out articles, feel free to give us a call at (858) 404-0490. This information is general in nature and is intended to provide guidance only. Always read the policy if there is a question about coverage or a claim. If any information herein should conflict with the actual policy’s specific language, the policy’s language will prevail. (Credit is given to ICW Grp. Ins. Co. for content, Copyright © 2011) Art McCormack has been a Property & Casualty and Life agent since 2004 and specializes in insuring homes and commercial buildings. He is married with two sons and lives in North Park, CA. By the way, when Art and his wife bought their home in 2000 Rosemary was their real estate agent too. Art’s office is located in University Heights and can be reached at:
(619) 704-3474 or (858) 404-0490.
for lease
the
JOLES group
Rosemary Joles 619-405-7673
$2400 12 Month Lease 1 Bedroom 1 Bath
Beautifully Furnished 682 Sq. Ft. More Information: 1580UnionSt.com
domiciles
Spacious Townhome · Paradise Hills · $187,500 2 Bedroom 2 Bath · 1113 Sq. Ft. · 619·405·7673
Turnkey · El Cajon · $298,500 3 Bedroom 2 Bath · 1188 Sq. Ft. · 619·405·7673
Views of Nature Reserve · Rancho Penasquitos · $465,000 3 Bedroom 2 Bath · 1543 Sq. Ft. · 619·405·7673
Exceptional Home · Del Cerro · $489,000 5 Bedroom 3 Bath · 2340 Sq. Ft. · 619·405·7673
Classic CA Ranch · La Mesa · $699,900 4 Bedroom 2 Bath · 2600 Sq. Ft. · 619·405·7673
Idyllic Canyon Location · Mission Hills · $795,000 3 Bedroom 2 Bath · 1692 Sq. Ft. · 619·405·7673
from east county to the coast
Traditional Sale · Lakeside · $375,000 4 Bedroom 3 Bath · 1868 Sq. Ft. · 619·405·7673
Complete Remodel · El Cajon · $399,000-$449,000 4 Bedroom 2 Bath · 2200 Sq. Ft. · 619·405·7673
Beautifully Upgraded · San Diego · $499,000-$537,500 3 Bedroom 2 Bath · 1575 Sq. Ft. · 619·405·7673
Expansive Horizon Hills · Mount Helix · $699,000 4 Bedroom 2.5 Bath · 2372 Sq. Ft. · 619·405·7673
Seamless Renovation · Talmadge · $895,000 4 Bedroom 3 Bath · 2574 Sq. Ft. · 619·405·7673
Quiet Retreat · Point Loma · $975,000-$1,075,000 4+Bedroom 3.5 Bath · 2824 Sq. Ft. · 619·405·7673
!
AN D O OW TH N ER TO CL WN O SE D
!
IS
SU C
CE B SS AY FU PA LL RK Y CL O SE D
... FU RN LI IS TT H LE ED I FO TAL R Y LE AS E YO FR UR EE H O M ME AR K HE ET R E AN ! AL YS A G ET
Rosemary Joles
In Harmony With Your Dreams Residential Sales · Short Sales · Leasing 619· 405· 7673 Homes@InHarmonyWithYourDreams.com InHarmonyWithYourDreams.com 8310 La Mesa Blvd. · La Mesa CA · 91942
the
JOLES group