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La Mesa Christian Book Store 4695 Date Ave., La Mesa, CA 91941 619-792-4747
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8356 Allison Ave. La Mesa, CA 91942 619-741-6230 Miguel@LaTorta.com www.LaTorta.com
Visit us at www.LaTorta.com and click on coupon for the latest value meals and coupons. FROM THE FRONT PORCH JOURN@L s_pt_m\_r/o]to\_r ]ontri\utors: Front Cover Photography: Brian Powell www.brianpowell.info The Real Estate Brief A Note from Rosemary: Rosemary Joles Mortgage Note: Carolyn Plummer Home: Rita Mailheau & Judy Sullivan San Diego Adventure: Elle Schaeffer Travel San Diego: Barbara Allen Bargain Hunter: Josh and Liane Wilson Books or Blogs: Rosemary Joles Podsibilites: Todd Joles Appaholics: Rosemary Joles Nitty Gritty: Rita Mailheau
Annette Young Financial Advisor Vice President– Investments 829 Orange Ave. Coronado, CA 92118 619-435-4276 2366 Jamacha Rd El Cajon, CA 92019 619-660-1955 annette.l.young@wellsfargo.com home.wellsfargoadvisors.com/annette.l.young
Don’t Abandon Your Investment Plan. Rethink it. Investment and Insurance Products NOT FDIC Insured NO Bank Guarantee MAY Lose Value Wells Fargo Advisors is the trade name used by two separate registered broker-dealers: Wells Fargo Advisors, LLC and Wells Fargo Advisors Financial Network, LLC, Members FCIC nonbank affiliates of Wells Fargo & Company. © 2010 Wells Fargo Advisors, LLC. All rights reserved. 1110-4262 [74029-v2] A1015
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contents
s_pt_m\_r/o]to\_r
9
12 13
16 From the Front Porch Journal Compliments of:
Follow our blogs at: LivinInLaMesa.com or LivinInSD.com Like us on Facebook at: Facebook.com/LivinInECSD
Rosemary Joles Realtor, CA DRE # 01095314 619·405·7673 Homes@InHarmonyWithYourDreams.com www.InHarmonyWithYourDreams.com 8295 La Mesa Boulevard La Mesa, CA 91942
^_p[rtm_nts 4 the real estate brief a note from rosemary carolyn’s mortgage memo 5 home the rule of code - the series - part 4 6/7 lifestyle experience sd theatre san diego adventure travel san diego 8 family corner bargain hunter out of the mouths front porch chatter 9 et cetera where’s rosemary delish 10 eye candy 6930 tourmaline place 12 minutia useless knowledge bravo and mia bites rosebud’s garden 13 upcycle trash to treasure 14 bits and pieces books or blogs podsibilities ponderings appaholics ingenious 15 sd outdoors sd sports park exploration-lake murray sd word find 16 nitty gritty go solar for zero down 17 sd concerts front porch pickin’ 18 domiciles from east county to coast
the real estate brief a note from rosemary
S
eptember and October are my favorite time of the year to travel.—fewer tourists and normally it isn’t too hot or too cold in any US destination. I find it the perfect time to relax, explore and enjoy San Diego County, too. Taking a walk on our less congested beaches with the locals, is my idea of a good time. Health Care Bill I’ve received several inquiries about the 3.8% “sales tax” that is suppose to take place in 2013 as part of healthcare reform. I’m not sure if we should call it a sales tax or a capital gains tax, but know that if a household is above a certain adjusted gross income (AGI), you are an investor, and or landlord, you will be taxed up to nearly 30% by the time you figure in the federal and state capital gains tax. For more detailed information on this subject go to: www.LivinInSD.com/3.8tax. Streamlining of Short Sales FHFA the conservator of Fannie Mae and Freddie Mac, announced that Fannie and Freddie will be issuing new guidelines to enhance and streamline the short sale process. Servicers of Fannie and Freddie loans will be allowed to approve short sales for borrowers with severe financial hardship with limited documentation, provide borrowers who are current on their loan (so don’t listen to those who tell you to default) the option for a short sale if they face a financial hardship such as divorce, long distance employment transfer, or a severe disability, and provide valuation guidance to real estate agents early in the short sale process. Servicers are required to implement these changes by November 1, 2012. Many such as Bank of America have already started to do so. The San Diego Market At the peak of the downfall of the real estate market here in SD, we were looking at inventory of 18,000-19,000 homes for sale. Today’s market is offering less than 6000 homes on the market and swiftly heading to under 5000 homes. Buyers are finally seeing that interest rates under 4% and low home prices makes good financial sense. They are also seeing the ability to pay fewer dollars in monthly housing costs by owning a home vs. renting. It’s become a sellers market for homes that are priced correctly and in salable condition. Unfortunately for buyers, multiple offers have once again become the norm. Foreclosures are going the way of the dinosaur and for the first time in a long time, we are starting to see more traditional sales on the market than short sales. Wouldn’t it be grand if we were finally seeing the light at the proverbial end of the 7 year downward spiral tunnel. It would be nice to see a positive change in our real estate market and home owners finally seeing some equity growth. Until next time...Blessings
carolyn’s mortgage memo - fha-refinancing option
A
new program could save qualified borrowers $3,000 a year, even those who owe more than their home is worth.
The White House recently announced significant changes that will reduce the fees charged for the Federal Housing Administration's (FHA) Streamline Refinance Program.
Beginning June 11, 2012, the Streamline Refinance upfront fee of 1%* will be reduced to 0.01% of the total loan amount. And the annual fee will be lowered from 1.15% to 0.55% of the total loan amount. By refinancing through this streamlined process, the average qualified FHA-insured borrower will save approximately $3,000 a year or $250 per month, on top of any savings from refinancing to a lower mortgage rate. The "streamline" refers to the minimal amount of documentation and underwriting that needs to be performed. Streamline refinancing can be done without an appraisal or income verification, providing the person(s) on the loan hasn't changed. There are no loan-to-value (LTV) restrictions on streamline refinancing. This is significant for underwater borrowers whose loan amount may exceed the current value of their home. However, second liens must subordinate with a maximum combined LTV ratio of 115% based on the original appraised value of the property. The basic requirements of a streamline refinance are: The loan must already be FHA insured and endorsed on or before May 31, 2009. Borrowers must be current on their mortgage payments with no late payment in the previous 12 months. The refinance must result in a lowering of the borrower's monthly principal and interest payments. Currently, 3.4 million households with loans endorsed on or before May 31, 2009, pay more than a 5% annual interest rate on their FHA-insured mortgages. If you would like more information about the changes to the FHA's Streamline Refinance Program and what these lower fees could mean for you, please contact me today. For example, a typical loan of $250,000 has 360 monthly payments of $1,193.54; Note rate 4.00%; APR 4.124%. Monthly payments do not include taxes or insurance so the actual payment obligation will be higher. Carolyn lives in Rancho San Diego with her husband, teenage daughter and 2 dogs. She has lived in East County for the past 22 years and loves the sunshine and sense of community. Carolyn can be contacted at 858-550-2541 or Carolyn.plummer@prospectmtg.com Equal Housing Lender. Prospect Mortgage, LLC, NMLS #3296. I am a licensed mortgage originator, NMLS# 300310, and am licensed to originate mortgage loans in the State of California. To learn more, visit my Prospect Mortgage website at: myprospectmortgage.com/cplummer.
home the rule of code...the series part four
It
Rita Mailheau, Simplify Staging and Redesign, Inc.
boggles the mind that we could already be on part four, the final installment in our four part series. To me this is just another reason why we want to get organized. Our time is too precious to waste.
To review, CODE is an organizing acronym. “C” stands for Categorize; “O” stands for Order; “D” stands for Distance; and “E” stands for Ease of Use. I asked Judy, what is different in this final point—Ease of Use—that varies from the principle of Distance. Distance refers to having things in close proximity. Judy used this illustration. When it is time to wrap gifts, you want to go to one location to get all of the stuff you need: paper, scissors, tape, cards, pens and ribbons. One way to facilitate the gift-wrapping center in a small space is via a rolling cart. When it comes time to wrap the gifts, a cart rolls out of the closet. Once you have finished, back it goes—boop, out of sight. Judy mentioned a mutual friend, Kathy, who has a whole room devoted to crafting. Some families have a homework center for their kids. Everything you need to accomplish the job is right there.
Photo courtesy of : cowperthwaite design
The axiom for this principle is corralling all of your gear for any given activity into one location. Judy Sullivan and Rita Mailheau of Simplify Staging and Redesign, can help you find what makes sense in your home. Each home and family is unique. Let us help you turn your home into a haven using what you already have. Reach us at 619-315-5771, or check out our website at www.simplifysd.com. We are also on Facebook.
Photo courtesy of : www.trehus.biz
Millicent
and Company Salons
A Unique Concept Store
GALLERIA
Antique Consignment Home Decor
MEGAN MCGHEN Hair Stylist
619·464·3166
Sale Labor Day Weekend 4695 Palm Avenue · La Mesa · CA · 91942
619-337-8711 10ish to 5ish
8329 La Mesa Blvd. La Mesa, CA 91942 Layaway/Delivery Available
lifestyle experience sd theatre Lamb’s Players Theater
The Old Globe
lambsplayers.org
theoldglobe.org
Mixtape Extended to November 25
Richard III June 3-September 29
See How They Run August 10-September 23
As You Like It June 10-September 30
Around the World in 80 days October 5-November 18
Inherit the Wind June 17-September 25 Allegiance A New American Musical September 7-October 21 Dr. Suess’ How the Grinch Stole Christmas November 17-December 29
The Coronado Playhouse
Broadway San Diego
coronadoplayhouse.com
Broadwaysd.com
Twelfth Night August 31-September 23
Jekyll & Hyde October 2-October 7
The Best Little Whorehouse in Texas October 26-December 2
Peter Pan November 13-November 18
October
FLEET WEEK www.fleetweeksandiego.org 9/8-10/14 various Bates Nut Farm Pumpkin Festival www.batesnutfarm.biz 10/6-10/7 9:00 am – 5:00 pm MCAS Miramar Air Show www.miramarairshow.com 10/12-10/14 9:00 am - 4:00 pm Pacific Beachfest www.pacificbeachfest.org 10/6 11:00 am - 7:00 pm La Jolla Art & Wine Festival www.ljawf.com 10/13 - 10/14 10:00 am - 6:00 pm Old Town Art Festival www.oldtownfestival.com 10/6 - 10/7 10:00 am - 6:00 pm Polish Festival - San Diego www.polishmission.org 10/12 - 10/14 5:00 pm - 10:00 pm
Ocean Beach Oktoberfest www.oceanbeachsandiego.com 10/12-10/13 11:00 am – 10:00 pm Little Italy Festa www.littleitalysd.com 10/14 6:30 pm - 10:30 pm
San Diego Repertory Theatre sdrep.org Exit Interview September 29-October 21 A Hammer, A Bell and A Song to Sing November 3-December 2
November
Christmas on the Farm Craft Fair www.batesnutfarm.biz 11/3 – 11/4 9:00 am - 4:30 pm
Susan G. Komen Race for the Cure www.komensandiego.org Making Strides Against Breast Cancer 11/4 8:00 am www.makingstrides.acsevents.org San Diego Beer Week 10/21 7:00 am - 11:00 www.SDBW.org MS Bay to Bay Bike Tour Nov 2-11 Time Varies www.bikecas.nationalmssociety.org Silver Strand Half Marathon 10/20-10/21 9:00 am - 2:00 pm www.kozenterprises.com The Boulevard Boo! Parade & Carnival Nov 11 7:00 am – 11:30 am www.booparade.com Veterans Day Parade 10/22 11:00 am - 5:00 pm www.sdvetsparade.org The Haunted Hotel / Scream Zone / 11/12 11:00 am - 2:00 pm The Haunted Trail San Diego Bay Wine & Food Festival www.hauntedhotel.com www.worldofwineevents.com 9/21-10/31 7:00 pm- 11:00 pm 11/14 – 11/18 7:30 am – 8:00 pm Gaslamp Monster Bash Outdoor Rink at Horton Square www.mcfarlanepromotions.com www.sdice.com 10/27 6:00 pm – 12:00 am 11/15/12 – 1/6/13 10:00 am - 10:00 pm
Susan G. Komen San Diego 3-Day For The Cure www.the3day.org 11/16-11/18 6:00 am - 6:30 pm Mother Goose Parade www.mothergooseparade.org 11/28 10:00 am Encinitas Fall Festival www.encinitas101.com 11/18 9:00 am - 4:00 pm The Old Globe's x-mas Tree Lighting www.oldglobe.org 11/18 6:00 pm Father Joe's Thanksgiving Day 5K www.my.neighbor.org 11/22 7:45 am - 10:00 am "Santa's Coming" Craft Fair www.batesnutfarm.biz 11/23 – 11/25 9:00 am - 4:30 pm
Need more information? Email Elle: info@ensmd.com
Events provided is is a freelance Graphic designer andand Marketing Consultant, specializing in small businesses. When not Events provided by by Elle Elle Schaeffer Schaeffer- -ENS ENSMarketing MarketingDirections. Directions.Elle Elle a freelance Graphic designer Marketing Consultant, specializing in small businesses. sitting not at her computer, can findyou Elle outfind Mt.Elle Biking husband K.C.husband You canK.C. see more samples and get more information these or about any other events at When sitting at her you computer, can outwith Mt. her Biking with her You can see more samples and get moreabout information these or any www.ensmd.com. Contact her at info@ensmd.com or (619) 278-8635. Ask about havingAsk a monthly calendar of eventscalendar created for your business! other events at www.ensmd.com. Contact her at info@ensmd.com or (619) 278-8635. about having a monthly of events created for your business!
travel san diego
lake calavera preserve By Barbara Allen
L
ake Calavera Preserve, located in the northeastern part of the city of Carlsbad, is an open space nature preserve set aside to conserve natural lands for the protection of native plants and wildlife. It is home to 115 plant, 49 bird, 10 mammal, and 7 amphibian/reptile species. Bordered by Oceanside and Vista, the preserve is approximately 2 miles from the Pacific Ocean. Popular with hikers, mountain bikers, and nature lovers, the preserve hosts 6.24 miles of nature trails.
At its center stands Mount Calavera, a 513-foot volcanic plug, a mass of volcanic rock that solidified in its vent 22 million years ago. The name Calavera means skull and was most likely called that because of its unusual shape. Mined for gravel in the early twentieth century, Mount Calavera is notable by a blemish on its face. It is easily spotted while driving northbound on Interstate 5. Below Mount Calavera is Lake Calavera, a wetland habitat that shimmers a deep cobalt blue in the sunlight. Owned by the Carlsbad Municipal Water District, it is a man-made reservoir that was created by a dam, completed in 1940, at the south end of the lake.
O
n a sunny afternoon, you’ll see people walking their dogs, groups hiking together, and runners traversing the trails. In January 2009, the Center for Natural Lands Management (CNLM) was hired by the city of Carlsbad to manage the preserve. In conjunction with the city, CNLM has installed fencing, signs, and information kiosks, as well as fixed trails, closed unauthorized trails, and removed invasive plant species. Areas of habitat restoration efforts are marked by orange construction fencing. If you’d like to go for a leisurely hike or run, mountain bike, or observe California native plants, birds, and animals in the wild, there are three access points into the preserve and its trails: Carlsbad Village Drive and College Boulevard; Tamarack Avenue at Strata Drive; or Sky Haven Lane off Lake Boulevard in Oceanside.
On a sunny afternoon, you’ll see people walking their dogs (dogs off-leash are prohibited), groups hiking together, and runners traversing the trails. The terrain is a mix of paved and unpaved trails, flat to steep, and wet to rocky, with a difficulty level of moderate to difficult. Barbara Allen is a freelance writer. She has written educational materials for the past 15 years and currently writes reading assessment items for an elearning company in Virginia. Barbara loves to travel, explore new places, and write about them. Check out her blog: bicoastalbarb.wordpress.com/about her cross-country travels. All photos courtesy of Barbara Allen
family corner bargain hunter bar·gain [bahr-guhn] -noun 1. an advantageous purchase, esp. one acquired at less than the usual cost: The sale offered bargains galore.
free or almost free in sd
Who
else has family and friends that come to town to visit and they want to see San Diego? You’re not Daddy Warbucks? We are here to help. We have compiled a short list, an itinerary, if you will, of some fun things to do in San Diego on a shoestring budget.
Photo courtesy of Rosemary Joles
After the family has had a good breakfast and plenty of coffee, pack up the walking shoes, a surf board or two, and sunglasses. First, it’s off to Santee Lakes for a morning stroll. Walk around a lake, then head down the road a bit to Mission Trails for a good hike. Now that everyone is thoroughly awake, it seems like a good time for a history lesson at Mission San Diego de Alcala. It is the first of the great California Missions and marks the birthplace of Christianity in the far west. Now it is time for a little “R&R” under the trees at beautiful Lake Poway. Then we suggest heading northeast to the quaint town of Julian for some much needed apple pie and window shopping. After this it’s back in the car driving over pretty mountain roads to Bates Nut Farm, which features the largest and oldest pumpkin patch in San Diego County. The Farm also plays host to fairs and events throughout the year. By now, it is probably about lunch time. Go ahead and drive to Valley View Casino and sign up for the free lobster buffet- voted San Diego’s best. After a bite, and while still in north county, feel free to pop in to Old Mission San Luis Rey de Francia for a little more history. Now we are headed west to the Oceanside Pier, which was originally built in 1888 and is the longest wooden pier on the western United States. A must see. Now take historical Highway 101 south, passing through beautiful beach-front real estate, and amazing views. Take the windy road up to Mt Soledad, the memorial to veterans, looking out over most of San Diego, a great view. Go down the hill and to La Jolla Shores. Now is the time to
get out that surf board and sun screen. After your afternoon in the sun, go around the bend to watch the seals play at Children’s Cove. If you happen to have your snorkeling gear with you, this is a great spot! It is time for a snack- Costco is the perfect fit on the budget- hot dogs or just the free samples? Next we recommend taking a few minutes to walk around Mission Bay, featuring some of the world’s best water sport activity watching. Head further south now to historical Old Town, which was the first European settlement on the west coast in 1769. After your walk through tour of Old Town, drive over to Balboa Park to see the Organ Pavilion, Botanical Gardens, and a host of museums (some of which are free on Tuesdays!), and many other attractions. By now it must be time for more window shopping. Sea Port Village fits the bill. It is a 14 acre waterfront shopping, dining and entertainment complex that was built on a landfill. Winding down the day, drive over the Coronado bridge, which is the third deadliest suicide bridge in the U.S. Really, a must see. The Hotel Del Coronado is a great national historic landmark to show the family. It has hosted presidents, princes, and Hollywood stars for the last 120 years and is said to be haunted. Walk down the beach just in time to watch the beautiful sunset. How was that for a fun-filled, budget-friendly jaunt around San Diego? Tomorrow, the itinerary will be the Olympic training center in Chula Vista, a tour through the famous Taylor Guitar factory, and a dairy farm in Lakeside! Josh and Liane live in Escondido with their three children. Liane’s new hobbies are couponing and Craigslist; more on that later. Today’s message was supported by Wikipedia and Google
out of the mouths... 3 year old was sitting in the middle seat of our van as we ran errands one morning. “Mom, can we plant this when we get home, and grow some hamburgers? I turned to see what prompted such an unusual question, and saw in his little outstretched hand, one single sesame seed!
My
front porch chatter Sunday mornings are like Christmas for me because I know that each week, on my front porch, I have at least $200 in coupons/ money waiting for me. Such a great feeling. -Unknown
Come Sit for a Spell
where’s rosemary? In every issue of From the Front Porch you’ll find a photo of different places that I’ve been in San Diego County. Your goal is to figure out where I took the photo. Submit your guess as fast as you can (You have competition!!!) and the first correct answer will win a $25 gift card to the restaurant of their choice! You can email or call at: 619-405-7673 or Homes@InHarmonyWithYourDreams.com. Thanks for playing!
et cetera
Petco Park San Diego, CA No winners... Better luck next time!
Photo & Recipe: www.ourbestbites.com
where was rosemary?
delish
mummy dogs Ingredients
Preparation Instructions
Cut crescent roll dough into thin strips and wrap around hot dogs. Bake according to crescent package directions and use ketchup or mustard for eyes.
Hotdogs cut in half Crescent rolls
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xquisite Contemporary
6930 Tourmaline· Carlsbad· CA· 92009 $525,000.00
3 Bedrooms 3.5 Baths
Luxurious Master Bath
2216 Square Foot
Balcony off Master Suite
Tri-Level Floor Plan
Low Maintenance Paved Patio
Stainless Steel Appliances
2 Bedrooms Plus Bonus Space on Top Level
Kitchen, Laundry, Dining, Living, Master on Second Level
La Costa Resort and Spa Golf Course Views
Granite Kitchen Countertops
2 Car Garage
Full Bath on the First Level
Upgraded Tile, Wood floors, Window Coverings
Use of the La Costa Greens Private Residents Club, The Presidio
Large Master Suite
More Information at: TourmalinePlace.com
Rosemary Joles In Harmony With Your Dreams
Residential Sales · Short Sales · Leasing 619· 405· 7673 Homes@InHarmonyWithYourDreams.com InHarmonyWithYourDreams.com
minutia
Demand was so great for I Love Lucy merchandise in the late 1950’s that stores couldn’t keep up with the demand. A Little Ricky doll debuted in stores, and it’s manufacturer couldn’t keep up with the thousands of reorders. Neither could the overworked furniture firm that sold an unprecedented 1 million I Love Lucy bedroom suites to the shows fans in just 90 days. Did you know there’s a Lucy and Desi Museum? Check it out at: www.luci-desi.com
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. If you are in need of handyman services you can contact Todd at 619-985-5017. He may even share some useless knowledge with you.
bravo and mia bites
Photo compliments of: Rebecca Johnson
useless knowledge
Mr. Dave Barry was very right when he said...
"Dogs feel very strongly that they should always go with you in the car, in case the need should arise for them to bark violently at nothing right in your ear." Bravo and Mia are the fur-children of Rebecca and Shayne Johnson. They are the grand puppies of Rosemary and Todd Joles.
botanical name: casesalpinia pulcherrima common name: red bird of paradise Likes: Sun to part shade Hates: Overwatering Blooms: Red, Bright yellow Negatives: Seed and plant are poisonous Bonus: Drought tolerant once established. Attracts bees, butterflies and birds.
"I have no plants in my house. They won’t live for me. Some of them don’t even wait to die, they commit suicide"
- Jerry Seinfeld Photo compliments of: Rosemary Joles To see more about this plant go to: www.LivinInSD.com
rosebud’s garden Rosemary Joles is passionate about low-water gardening in San Diego. She loves creating gardens that look like lush water thirsty gardens, yet need very little moisture to maintain them. Her other passions include real estate, lattes spending time with family and friends, reading, music and laughter!
upcycle onvert a bookcase into a dollhouse!
From Trash to Treasure The great thing about this project is once a child outgrows the dollhouse it can be converted back to a bookcase again. What do you need? Wrapping paper Cardboard Yarn Scissors Bookcase Double-sided tape Dollhouse furniture Dolls How to at: www.blog.landofnod.com
Entertainment Center After
podsibilities
books or blogs
T
he great thing about the internet is it makes the world a pretty small place. You can go on vacation and not leave your living room by using Google Earth. If you want to search for a home in Italy you can do that too. Which brings me to Kate Benbow, who lives just outside of London, England and is the curator of Kate’s Creative Space. Creative is exactly what Kate is. In addition she is humorous, (The English version of my daughter Rebecca.) a mum to a 2 year old and a career woman. I don’t know how she finds the time to write about her adventures, but I’m grateful that she does. From inventive endeavors for her son, www.katescreativespace.com/2012/03/11/spring-fever/ Harry, inspired baking designs to the renovations to her “new old” home, you truly will enjoy checking out this blog. Perhaps you’ll even attempt one of her many fun projects. Now I’m off to purchase some egg cups, the cressman above are on my list of fun undertakings...
I’ve been having a real difficult time choosing a feature disc this month. I’ve heard so much great music that I just can’t seem to choose. The tunes that have been calling to me seem to all come from Allison Krauss and Union Station or one of their offshoots. The star in all the tunes I have been playing have one thing in common, Dan Tyminski. Whether it’s Dan Tyminski the title track of his first solo album Carry Me Across The Mountain, to Man Of Constant Sorrow where he supplied the voice for George Clooney in the Soggy Bottom Boys in Oh Brother Where Art Thou, to his latest album Wheels, Dan brings a wonderful rich old timey sound. Check out my favorite, The Boy Who Couldn’t Hoe Corn, on YouTube. http://youtu.be/Z5X4Q6jFtHg
appaholics
O
kay so this actually isn’t an app, but I figured if I was saving you money you’d forgive me this one time. For all of you with a thousand channels and thinking there is nothing good to watch on TV, I have an alternative for you. A tiny black box called ROKU. ROKU utilizes your internet connection to stream over 500 channels to your television. No more monthly fee. Just a one time purchase of this little gem which will cost you between $50-$99 depending upon the type that best suits your needs. Just think, no more cable bill, and a 30 day money back guarantee. Check it out at www.rocku.com.
What’s one thing you are still searching for in life?
bits and pieces From Marcandangel.com
ingenious paint chips as place cards
Source: Real Simple Photo: Aya Brackett
ponderings
F
old paint chip strips in half and prop them up as place cards, writing each person’s name on a shade that suggests their best qualities (like “Inner glow” or “Delicate Peach”)
SD Sports T
Now You Know
he Chargers original powder blue jerseys and white helmets with a gold lightning bolt were worn from 1960-1973 when the powder blue jerseys and white helmets were both changed to midnight blue. The original color scheme made a comeback in the mid 2000’s.
sd outdoors
rp. org mt
urray Lake M wa Dr. Kio 5540 CA 91942 a, La Mes -2050 8 619-66
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San Diego Neighborhoods Word Search
park exploration
Burlingame Hillcrest Linda Vista Mission Hills Mission Valley Fashion Valley Bay Park
North Park Ocean Beach Old Town Point Loma La Playa Liberty Station Loma Portal
Midway Point Loma Heights Roseville Fleetridge Sunset Cliffs Wooded Area University Heights
Find the answers at www.LivinInSD.com/ws
nitty gritty go solar for zero down By Rita Mailheau
Cash Back Solar Incentives
Important to note: A recent National Renewable Energy one of our Thursday caravans, Rosemary, Judy and I Laboratories (NREL) report states that a solar home sells for 18% toured a gorgeous million-dollar home in the Shadow more and 20% faster than a non-solar home. Mountain neighborhood. It turns out the homeowners Is the payment fixed? power their entire home, pool, well pump and grounds lighting You can have a fixed payment or an escalator. Fixed payments from a solar panel setup in a hidden area on the property. The will still be cheaper than the utility in most cases. A payment with realtor told me the monthly bill for electric is $10. That’s what I an escalator (around 2-3% - can set it where you want) will be call the good life—a beautiful home AND low utility bills. Could lower initially. If you stay with the utility, the annual escalation of this be heaven? electricity costs raises by 6.5% per year on average over the past I got in touch with Erica Johnson of Sullivan Solar Power, one of 30 years across the United States, per DOE data.
In
the top installers in the San Diego Gas and Electric cash back What is the break-even point? An electric bill of $150 is required for it to make the most sense. incentives program, to find out about this program. This program is divided into three phases. Phases One and Phase You can go solar for $0 down, have a cheaper monthly payment, Two are complete. The program is now in Phase Three of the and receive cash-back with the San Diego Solar Program. What is the initial upfront investment? That will depend on whether you finance the system or do a cash purchase. With a lease, or a financed system (rates are amazing right now!), you can have a monthly payment that is cheaper right If you are interested in receiving information, call Sullivan Solar away, without spending a dime out of pocket. Power at 858-271-7758. How long to units last generally, before needing replacement? Your manufacturer's warranty on the panels is 25 years. But your system will be up and producing a fair amount of energy for 3040 years. The inverter is the only piece of equipment that will need to be replaced and that will happen in year 12-15. funding. Funding runs out by end of December 2012 or when they reach the quota of 500 customers, whichever comes first. Homeowners installing under Phase Three will receive $1000 cash back for installing a solar power system.
What kind of scheduled maintenance does system require? Solar panel systems are easy to maintain, because there really isn’t any maintenance! You will just need to clean the panels (with a hose, no abrasive chemicals) 4 times a year.
Some FAQ about Solar Installation Is it available to purchase one panel at a time? No, a system is designed as an array of panels. A typical system is about 16-20 solar panels. The cost for the installation covers the panels, the inverter, all the racking equipment, wiring, and labor of the electricians. There are no additional fees for permitting. It is all wrapped in. Are contracts transferrable with the sale of a home? If you go with a lease ($0 down) option, it is very easy to transfer to a new homeowner. If you wish to purchase the system When she is not helping Judy Sullivan of Simplify Staging & Redesign, Inc., downsize and organize for their clients, outright, then you can add the cost into the sale of the home. Rita Mailheau works as a freelance writer. You can contact Rita at : rita.mailheau@gmail.com.
sd concerts
Ballet Folklorico De Mexico
Blind Boys of Alabama
10/9 Billy Joe Shaver Location: Normal Heights Price: $25-$52 Time: 7:30 pm Info: amsdconcerts.com
10/30 Ballet Folklorico De Mexico Location: Copley Symphony Hall Price: $20-$72 Time: 7:30 pm Info: sandiegosymphony.org
10/11 Haydn: The Humorist Location: Downtown Price: $20 Time: 7:30 pm Info: sandiegosymphony.org
11/1 Caravan of Thieves
Billy Joe Shaver
Location: Normal Heights Price: $20-$47 Time: 7:30 pm Info: amsdconcerts.com
10/11 Tom Rush
11/2 Jean�Yves Thibaudet
Location: Normal Heights Price: $35-$62 Time: 7:30 pm Info: amsdconcerts.com
Location: MCASD Sherwood Auditorium Price: $25-$75 Time: 8:00 pm Info: ljms.org
10/13 Dr. John and The Blind Boys of Alabama
11/15 Philharmonia Orchestra
Location: Balboa Theatre Price: $25-$65 Time: 8:00 pm Info: ljms.org
Location: Copley Symphony Hall Price: $25-$95 Time: 8:00 pm Info: ljms.org
10/19 Shaolin Warriors
Location: Balboa Theatre Price: $25-$65 Time: 8:00 pm Info: ljms.org 10/20 Kelly Joe Phelps
Location: Normal Heights Price: $20-$47 Time: 7:30 pm Info: amsdconcerts.com 10/26 I Musici di Roma
Location: MCASD Sherwood Auditorium Price: $25-$75 Time: 8:00 pm Info: ljms.org 10/26 Nuala Kennedy
Location: Normal Heights Price: $20-$47 Time: 7:30 pm Info: amsdconcerts.com
front porch pickin san diego music from classical to bluegrass
domiciles
Great Starter Home · San Diego · $240,000 3 Bedroom 1 Bath · 896 Sq. Ft. · 619·405·7673
New Construction · Vista · $356,990 3+ Bedroom 3 Bath · 1800 Sq. Ft. · 619·405·7673
Custom Southwest Style · Descanso · $649,500 2 Bedroom 2 Bath · 2424 Sq. Ft. · 619·405·7673
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from east county to the coast
Sweeping Sunset Views · Fallbrook · $525,000 3 Bedroom 2.5 Bath · 2293 Sq. Ft. · 619·405·7673
Gatewood Hills Remodel · Rancho Bernardo · $549,795 3 Bedroom 2 Bath · 1655 Sq. Ft. · 619·405·7673
West of I-5 · Carlsbad · $675,000 3+ Bedroom 2.5 Bath · 2155 Sq. Ft. · 619·405·7673
Beautifully Maintained · La Mesa · $685,000-$735,000 4 Bedroom 3 Bath · 3538 Sq. Ft. · 619·405·7673
Tasteful Villa · Rancho Del Mar · $1,698,000 4 Bedroom 3.5 Bath · 3950 Sq. Ft. · 619·405·7673
Custom Build · Solana Beach · $1,998,000 4 Bedroom 4.5 Bath · 2880 Sq. Ft. · 619·405·7673
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Low real estate inventory, multiple offers, many buyers…means higher prices for sellers. If you are thinking of making a move give us a call. We have buyers for your home.
Rosemary Joles In Harmony With Your Dreams
Residential Sales · Short Sales · Leasing 619· 405· 7673 Homes@InHarmonyWithYourDreams.com InHarmonyWithYourDreams.com