2014 April From the Front Porch Journal by The Joles Group

S@N DIEGO COUNTY’S

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Millicent

and Company Salons

MEGAN MCGHEN Hair Stylist

619·464·3166

4695 Palm Avenue · La Mesa · CA · 91942

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

Visit us at www.LaTorta.com and click on coupon for the latest value meals and coupons. FROM THE FRONT PORCH JOURN@L m[r]h/[pril ]ontri\utors: Front Cover & Photography Elsbree House B&B “A Beach Bed & Breakfast 5054 Narragansett Ave. San Diego, CA 92107 619.226.4133 · bbinnob.com The Real Estate Brief A Note from Rosemary: Rosemary Joles Mortgage Memo: Carolyn Plummer Home: Rosemary Joles San Diego Adventure: Rosemary Joles Travel San Diego: Barbara Allen Voyage the Globe: Rosemary Joles Books or Blogs: Todd Joles Techalicious: Todd Joles Ingenious: Rosemary Joles Nitty Gritty: Susanne Romo

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

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contents

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2014

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

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

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

4 the real estate brief a note from rosemary carolyn’s mortgage memo 5 home tiny kitchen spaces 6/7 lifestyle experience sd theatre san diego adventure travel san diego 8 family corner voyage the globe out of the mouths front porch wisdom 9 et cetera where’s rosemary delish-root beer pulled pork 10 client thank you 12 minutia useless knowledge bravo and mia bites rosebud’s garden-kalanchoe tubiflora 13 upcycle trash to treasure-kitchen islands 14 bits and pieces ponderings podsibilities techalicious ingenious 15 sd outdoors sd sports park exploration -antique gas & steam engine museum sd word find-san diego places 16 nitty gritty are you fully covered 17 sd concerts front porch pickin’ 18 domiciles from east county to coast

the real estate brief a note from rosemary L

iving in the Village of La Mesa has some of the nicest benefits. Foremost I work, play and shop where I live. I enjoy getting the very best fresh foods at our farmer’s market. Every Friday two flower vendors set up right across the street from where we live. Selling flowers so inexpensively I can afford to keep them in my home weekly if I choose. Mr. Useless Knowledge, aka my hubby, loves the beautiful new library where he can acquire the latest novel or videos. This fulfills his passion for movie watching and his voracious appetite for reading. I am also so appreciative of our police and fire department and there quick response to anything that may be happening nearby. Residents and shop keepers are neighborly and caring. It sometimes feel like we live in a contemporary Mayberry. With the warmer evenings upon us, we are choosing to leave our front door open, so that we can hear our fountain bubbling. My favorite thing about this habit is the sounds of classic French music drifting through the night air from Bo Beau’s. I feel like I’ve been transported to an earlier era of Paris, just like Owen Wilson’s character Gil, the nostalgic screenwriter did in the movie Midnight in Paris. It’s our own little piece of vintage paradise rolled into our tiny hamlet of La Mesa.

he most expensive home that sold in San Diego County in the month of January is this ocean view contemporary in La Jolla. Featuring 4 bedrooms, 4.5 baths. The 4528 sq. ft. home is located on a .33 acre lot on a oceanfront street. The buyer paid $7,800,000.

The San Diego real estate market is bustling along with our average market times being 56 days. Some of this is due to sellers pushing the envelope on the pricing of their homes to see if they can get the price they want. There is however a little bit of a chasm of what buyers are willing to pay for a home and what sellers want, even with our limited inventory. Buyers are not quick to make a move on a home unless they have been in the market looking for a while and really know what it is they want in a home. Every agent seems to have an investors who is looking high and low for the same elusive good deal of last summer. Interest rates are predicted to continue to stay low, so the late spring and summer promise to continue to be a busy and appreciating market. Until next time– blessings from our wee humble cottage home to yours.

carolyn’s mortgage memo 4 ways to make a down payment

ne of the best financing options available to home buyers today is FHA financing. Qualified buyers can enjoy more flexible repayment terms and as low as a 3.5% down payment! Interested in buying but not sure if you have the 3.5%? Read on for 4 down payment options!

1) Gift Money: Gift Money is a gift of funds from a family member with no obligation to pay it back. The donor of the funds must sign a gift letter and provide a bank statement to show they have the ability to gift the funds. The gift funds cannot be cash or "mattress money". The gift money is then wired directly to escrow at closing from the donor's account. 2) 401k retirement loan: Many companies allow you to borrow against your 401k account for the purpose of a home purchase. Some plans will allow you to borrow enough funds to cover the down payment amount as well as closing costs. The term of the loan depends on the individual plan. For example, some plans require a monthly repayment amount, for others, a monthly payment is strictly voluntary. Be sure to check with your plan's administrator and loan officer for the details of this loan option. 3) Sale of Personal Property: You can sell personal property and use the net proceeds for the down payment, for example, your motorcycle, recreation vehicle, jewelry or furniture. You will need to provide a bill of sale, a copy of the check for the sale and your bank statement showing the funds, matching the amount of the Bill of Sale, deposited into your bank account. 4) Trust Funds: If you come into an inheritance or settlement, you can use those funds for your down payment. Any deposits into your account from this source must match exactly to the amounts documented as coming to you, and the source of the funds must be fully documented. Please contact me so I can help you navigate these options and the supporting documentation needed. I’m happy to help you make your homeownership dreams a reality! Carolyn lives in Rancho San Diego with her husband, teenage daughter and 2 dogs. She has lived in East County for the past 22 years and loves the sunshine and sense of community. Carolyn can be contacted at cplummer@amerifirst.us or at 619.813.8934. Equal Housing Lender. I am a licensed mortgage originator, NMLS# 300310, and am licensed to originate mortgage loans in the State of California.

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

home

refrigerator chaos no more

oes the inside of your refrigerator look like something out of a sci-fi film? Plastic bags of produce tossed on top of each other. Some of it a decomposing stench of its former self. Items lurking at the rear of the fridge that would scare a small child. Yeah, mine too. You’ll get no judgment from the wee humble cottage inhabitants. Containers, of science experiments are thrown out more than either Mr. Useless Knowledge or I care to admit because of the disaster inside our cold storage system. Every time I throw something into the trash can or send food down the garbage disposal. I have this self-conversation berating myself for not being more organized. How many minutes of my life has been wasted away earning the dollars to purchase the food I just got rid of. The associated guilt of my disregard of the abundance Tupperware’s FridgeSmart... we have here in America, when families in foreign countries dig through dumps to feed themselves. It’s enough to send this woman into therapy. So no more, I’m on the war path to clean up the inside of our fridge and to waste no more! One of the first things that I did was purchase from Tupperware the Fridgesmart containers system for storing our produce. The fruits and veggies stays fresh longer and the containers stack so that it is easy to see what is inside them. The next thing I did was get online and look at what the container store had to offer for storage. Our refrigerator is pretty small so my next purchase is going to be 3 of the slimline fridge jugs. One for milk, one for water and the last for orange juice. This move alone will mean I use less space, that the orange juice, milk and water jug take up. Plus they will be easier to access. In addition my other purchases will be some of the Fridge Binz’s for cheese, cold cuts, and small things that get lost at the back of the fridge. We currently use the bottom crisper drawer for bottled drinks and this works well for us. Hopefully these purchases will stop the science projects from happening. Here are some additional hints from the container store that I will be putting into place.

1) Take inventory and discard any out of date items or items that Slimline Fridge Jugs will not be used. 2) Adjust shelves so that they fit the items that are purchased most often. Organize food items by size, so there is no wasted vertical space. Use the smallest shelf in the refrigerator for leftover storage. Use containers that are of similar shape so that the space is maximized. Be sure to label the item and date leftovers before storing them. For the freezer purchase containers to sort meat, poultry, fish and Photo Credit: containerstore.com frozen veggies. Make sure to freeze items lying flat. Otherwise they Fridge Binz’s take up way too much space. Store all of bottled items such as dressings etc. in the refrigerator door. Put on the calendar to clean both the freezer and fridge once a month. This will help one keep track of what you have and what you still need. Photo credit: container store.com

3) 4) 5) 6) 7)

Although, I’m probably going to spend around $75-$100 buying containers, I know the savings from not tossing out food will not only be good for my pocketbook but for my mental health as well. To me that’s worth the additional expense I’m going to incur. Read more about organizing the home at LivinInSD.com.

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

Water by the Spoonful Apr 12-May 11

The Foreigner Mar 14-Apr 13 Quilters Mar 21-Apr 27 Doris & Me Apr 6 Twelfth Night May 23-June 29

The Coronado Playhouse

San Diego Repertory Theatre

coronadoplayhouse.com

sdrep.org

Sherlock Holmes Apr 11-May 18

Red Mar 29-30

Romeo and Julie June 27-July 20

Off Broadway Live

The Old Globe theoldglobe.org

Decades-The 50’s 15-May 30

Time and the Conways Mar 29-May 4

Chicken Fried Gospel Mar 23

offbroadwaylive.com

San Diego Adventures April/May IT’S SPRING GARDEN TOUR TIME!

Borrego Garden Tour March 29 abdnha.org

Point Loma Garden Walk April 26 pointlomagardenwalk.com

Blooming Consciousness March 29 & 30 gardennative.org

Sage & Songbirds Festival May 2-4 chirps.org

Surf n Turf Garden Tour April 5 sdhort.org

Fallbrook Annual Garden Tour May 10 aauwfallbrookca.org

Bernardo Spring Gardeners April 17 bernardogardens.org

Beyond the Gate May 10 missionhillsgardenclub.org

Encinitas Garden Festival & Tour encinitasgardenfestival.org April 26

Clairemont Annual Garden Tour May 17 gardentour.clairemontonline.com

Coronado Flower Show April 26 & 27 coronadoflowershow.org

Loma Portal Home & Garden Tour May 17 lomaportalelementary.com

Secret Garden Tour of La Jolla May 17 lajollahistory.org

travel san diego a step back in time-heritage park By Barbara Allen

f you wish to take a step back in time to experience a slower-paced, more genteel era, look no further than San Diego’s very own Heritage Village, located at 2454 Heritage Park Row in Old Town. This hidden treasure is a vision created in 1969 by concerned San Diego citizens wanting to preserve significant San Diego homes and their heritage. The result was the birth of Save Our Heritage Organization (SOHO). The very first home they protected from demolition was the stately Sherman-Gilbert, a home built in the Stick-Eastlake style. Six more structures, moved from downtown San Diego, followed from 1976-1981. The McConaughy House has a tea house and gift shop. The park is open daily from 10-5. A note from Rosemary: See Barbara’s other articles with more photos on LivinInSD.com. Now You Know Victorian is not the style of a home! It is a structure built in the time period of Queen Victoria's reign from 1840 to 1901. There were many architectural styles within the Victorian period.

Sherman-Gilbert House –Stick-Eastlake Built 1887 -Moved from 139 Fir St.

McConaughy House –Stick-Eastlake Built: 1887 Moved from 1569 Union St.

Christian House –Queen Anne Built: 1889 Moved from 1940 Third Ave.

Senlis Cottage –Vernacular Style Built: 1896

Burton House –Classic Revival Built: 1893 -Moved from 1970 Third Ave.

Bushyhead House –Italianate Built: 1887 Moved from 232 Cedar St.

Temple Beth Israel -Classic Revival Built: 1889 Moved from 1502 Second Ave. All photos courtesy of Barbara Allen

Barbara Allen is a freelance writer. She has written educational materials for the past 15 years and currently writes reading assessment items for an e-learning company in Virginia. Barbara loves to travel, explore new places, and write about them. Check out her blog: bicoastalbarb.wordpress.com/ about her cross-country travels.

family corner voyage the globe

top 10 hints when traveling with a toddler Traveling with a toddler can feel a bit daunting, especially if you’ve never done it before. It may even feel a little like herding cats. I found these great tips on roughguides.com. Take your time-The greatest thing you can take – whether at the airport, sightseeing or getting from A to B – is extra time. Toddlers love to explore and don’t care for the time pressures of travel, so you’re more likely to all retain your cool if you factor the faffing, gawping, stalling, toilet stops and into your Photo credit: leapfrog.com tantrums timeframe. Book ahead-Whether you’re camping or staying in hotels, it pays to book ahead. Trying to retain the spontaneity of travel BC (Before Children) doesn’t pay off if you arrive at your destination to find you can’t bag a bed or pitch and have to hit the road again with tired, hungry toddlers melting down in the backseat.

lost down the side of seats), but the most compact form of entertainment is a device loaded with apps and games. Use public transport-Most toddlers love the novelty of travelling by train, bus and boat, so ditch the hire car and use public transport where possible. In Switzerland, my two-year-old would repeat the names of the metro stops as they were announced – provoking ripples of laughter and making him even more excited about boarding the train each day. Invest in a child locator- In my experience, toddlers aren’t fans of reins, backpacks with a leash, or any infringement on their freedom. Keep tabs on them at airports, train stations and crowded attractions with a child locator. The child wears a small unit (strapped to a belt or shoe) and you keep the transmitter. If you lose your child set off the alarm and follow the sound to find them. Keep bugs at bay-Whether you’re travelling to Paignton or Peru, antibacterial wipes and hand sanitizer are handbag essentials. A wipe of the cutlery in restaurants where you’re unsure of hygiene, or a squirt of hand sanitizer when there’s no washing facilities, can zap a few germs and prevent toddlers catching some common bugs. Don’t forget the medicine-Whether they’re out of routine, jet-lagged, or eating less healthily, kids always seem to get ill on holiday. Dampen the impact of broken nights, frayed temperaments and fevers by packing an easy-to-swallow medicine such as Calpol in the UK. Other basic ingredients in your first aid kit should include antiseptic wipes, plasters, sting treatment, and a thermometer. Reprint: roughguides.com

out of the mouths...

ad to daughter: This body wasn’t made for ballet.

Give them a camera-Giving toddlers their own (robust, child-friendly) camera encourages them to observe their surroundings and focus on what interests them. You might be surprised at the results from their knee-high view. Amongst pictures of feet and wheels, my three-year-old has shot flowers, animals, helicopters, boats, rocks and rabbit poo. Be prepared for the climate-It’s simple advice, but children dressed comfortably for the weather and terrain will be happier in a new environment. With all the gear available, there’s no excuse for dressing toddlers in ski-suits four sizes too big, forgetting their gloves, or leaving them barefoot on a beach where sea urchins lurk. Pack Pull-Ups for potty training-Planes and public transport during the potty training days can be a nightmare. As if you didn’t have enough in your hand luggage, now you’re expected to add a potty, three changes of clothes and bags of wet, stinky pants. Potty-training gurus may disagree, but if toddlers are still having lots of little accidents then I’m all for putting them back into Pull-Ups on the plane. Be app-y-Thanks to toddler-friendly apps, there’s no need to cram a toy box into your hand luggage when travelling by plane. By all means take a book and a magic scribbler (crayons just get

Daughter to dad: Don’t worry, I’ll show you my moves. -Jill 6

front porch wisdom It takes courage to grow up and become who you really are.

-e.e. cummings

Come Sit for a Spell

where’s rosemary?

In every issue of From the Front Porch you’ll find a photo of different places that I’ve been in San Diego County. Your goal is to figure out where I took the photo. Be specific and submit your guess as fast as you can (You have competition!!!) The first correct answer will win movie tickets for two! You can email, call or Facebook us at: 619-405-7673, Homes@LivinInSD.com or facebook.com/LivinInECSD.

et cetera Root Beer Pulled Pork

Ingredients

where was rosemary? Kate Sessions Park 5115 Soledad Rd. San Diego, CA 92109 Winner Suzanne Bennett El Cajon, CA

    

2 lb pork tenderloin 12 oz Root Beer 1 cup BBQ sauce 1 tsp kosher salt 1/4 tsp. ground black pepper

Preparation Instructions

1. In a slow cooker, whisk together the root beer, BBQ sauce, salt and pepper. Add pork tenderloin. Heat on low for approximately 6-7 hours. Shed pork with two forks.

2. Serve on a bun with additional BBQ sauce, if desired. We like ciabatta buns! 3. Enjoy!

Photo and recipe: 52kitchenadvnetures.com

delish

A HEART FELT THANK YOU TO OUR CLIENTS FO

Carolyn Plummer 2014 Five Star Mortgage Professional

619路813路8934 619路414路5038 cplummer@amerifirst.us

Equal Housing Lender. I am a licensed mortgage originator, NMLS# 300310, and am licensed to originate mortgage loans in the State of California.

OR CHOOSING US AS THEIR FIVE STAR TEAM! The best thing about both Rosemary and Carolyn is their sincerity. Their approach to selling homes and loan mortgages is not about what you can “afford”, but what price range and loan amount is “comfortable” for you as an individual. Their knowledge about the home buying experience is amazing. They are there for you each step of the way with tips on what to look for in a house, in a loan program, and other items in the transaction. What could have been an extremely stressful experience turned out to be very smooth and easy. I would recommend using Rosemary and Carolyn to everyone." - Jill new homeowner in Santee

How Are Five Star Professionals Picked? Evaluation Criteria  Nominated by recent homebuyers/sellers  Qualifying client satisfaction rating based on key criteria such as integrity, negotiation, and closing preparation Eligibility Criteria  Current real estate and/or lender license  Active as a licensee for a minimum of 3 years  Be in good standing  Satisfies minimum production on a year and three year basis The final list of 2014 San Diego Five Star Professionals is a select group, who provide quality services to their clients. Selected real estate agents represent less than 4 percent of San Diego County Agents. Selected loan officers represent less than 2 percent of San Diego Mortgage Professionals.

Rosemary Joles 2014 Five Star Real Estate Agent Residential Sales · Leasing 619· 405· 7673 Homes@LivinInSD.com LivinInSD.com Windermere Real Estate SoCal

minutia Every day American’s consume an average of 18 acres of pizza! Todd Joles is now known as Mr. Useless Knowledge, is a business associate of his wife Rosemary, a passionate luthier by night, mandolin/bluegrass aficionado by choice, chief cook and bottle washer because he loves his wife and a purveyor of this useless knowledge. You can find more useless knowledge at: Facebook.com/LivinInECSD

bravo & mia bites

useless knowledge

“You can say any fool thing to a dog, and the dog will give you this look that says, ‘My goodness, you're right! I never would've thought of that!’ ” - Dave Barry

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

botanical name: Kalanchoe tubiflora common name: Chandilier Plant Likes: Full Sun to Partial Shade Hates: Overwatering Blooms: Red/Orange, Brown/Bronze Negatives: All parts of plant are poisonous Note: Reproduces freely. Could be invasive

The grass is always greener where you water it…. 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

ake an old dresser and transform it into a kitchen island.

diycozyhome.com

From Trash to Treasure

   

Dresser Drawer hardware Paint Butcher block, Granite or…

Photos and project at: solothais.com For more dresser to kitchen island ideas go to livininsd.com/

podsibilities

techalicious

For

the Whovian addicts in your life. A very fun site. ThinkGeek.com.

Dr Who Party lights! Only $19.95

This

month I canâ&#x20AC;&#x2122;t get enough of Old Crow Medicine Show! This band is a mix of old time music with a touch of Irish punk, reminiscent of The Water Boys and the Pogues. It got its start 15 years ago busking on the corners around New York State. Somehow they made it to North Carolina where Doc Watson heard them playing on a corner in front of a pharmacy and invited them to come play at his festival Merlefest. Recently they have been inducted to the Grand Old Opry on Sept.17,2013, and have appeared on such shows as Prairie Home Companion and The Marty Stewart Show. They have also enjoyed the success of their tune Wagon Wheel, a platinum selling single, which was covered by Darius Rucker. Check them out on Youtube.com youtu.be/nSzoLTrsRd0 youtu.be/1gX1EP6mG-E youtu.be/1zuQKXggPcE

bits and pieces ingenious

thinkgeek.com/brain/whereisit.cgi?t=dr+who

What does living a good life mean to you?

baby food jars

What

I love the most about this clever idea is that not only is it really ingenious, but itâ&#x20AC;&#x2122;s an upcycle to boot. Make a magnetic spice rack to place on the side of your fridge or on a magnetic strip on the wall behind the stove from empty baby food jars. Saving you cabinet space and keeping them close at hand. Learn how to make these at the blog:

davisongoons.blogspot.com

From Marcandangel.com

ponderings

Source: buzzfeed.com

The 11th Dr. Sonic Screwdriver TV remote! Only $99.99

SD Sports March/AprIL SUN 30 LAD

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HOME GAMES · PETCO Park

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Road Games

san diego places word search

Museum Steam Engine Antique Gas & . ve A Fe agsem.com 2040 N Santa 3 8 Vista, CA 920 91 7 1 – 1. 4 9 760

photos credit: justacarguy.blogspot.com

park exploration

San Diego Zoo Balboa Park Sea World San Diego Old Town USS Midway Birch Aquarium

Belmont Park Maritime Museum Seaport Village Mount Soledad Mount Helix Cowles Mountain

Petco Park Mission Trails Park Embarcadero Balboa Theatre Star of India La Jolla Cove

Find the answers at www.LivinInSD.com/ws

nitty gritty

are you “fully” covered?

the resulting claim is larger than the HOA coverage? Think about if someone drowns in the HOA pool, or slips and falls on HOA property and can no longer work? Your HOA can assess you for this, and this is an optional coverage…and

any people tell me they have ‘full coverage’ when I ask

them about their insurance policies. “Full Coverage” is a misnomer. They have an insurance policy, but no policy provides “Full Coverage”. The not available on all policies. most important page on any insurance policy is the Exclusions Page. This is the page that takes things away from  Inservants/Outservants. This is for your housekeeper, gardener or your home health care worker. Make sure you your policy or minimizes the coverage you have. Review it have coverage for these and that it’s not something you need carefully. to add. Again, not all policies are created equal; shop on So what types of things are not covered in home and auto coverage, not price. insurance?  Jewelry, Fine Art, Furs, Camera equipment, Guns, Musical Instruments, Baseball and other collections. Coverages are very limited in your standard policy. You will need an appraisal to determine the coverage limits needed. 

Home Improvements. Have you recently renovated and replaced the standard ceramic kitchen counter tile with granite? Ripped out the carpet and put in laminate, ceramic or higher end carpet? If you don’t let your agent know and the house burns down, you will receive the standard ceramic kitchen tile and basic carpet. It is your responsibility to

notify your insurance company of any changes to your home, especially increases in material quality.

Home Office? Fine Art? 



Pizza Delivery. When your child starts delivering pizza, you need to notify your insurance agent to find out if you can either add the coverage or if this is absolutely excluded on your policy. Why would this be excluded? Because your auto policy is for personal use, and pizza delivery is a business use of the automobile. The same thing applies if you use your car for business purposes. This can be a heartbreaking discovery.

Home Based Business. Are you a Mary Kay, Primerica, Arbonne etc. representative? If you are making a Home Improvements? presentation at someone’s home or place of business and you break something or hurt someone….that is not covered in your home or renter’s policy. Why? Again, because these  Solar Panels? Not covered unless you add them. policies are for personal coverage, not business. The same applies if you work out of your home and bring clients in  Water. Water is tricky and often not covered. A water claim must be from a sudden and unexpected burst of water. It’s and they get hurt. No coverage without the endorsement. not a maintenance policy, it’s a perils policy. Too many times Add your home-based business to the policy as an I have to tell clients that the water damage isn’t covered endorsement. because the pipe had been leaking and they didn’t repair it.  Business Tools. They are not covered unless endorsed. Remember, the large print giveth and the small print taketh away.  Teachers. Teachers have the option to add coverage for Shop coverage, not price. Sit down with your agent on an annual themselves on their homeowner’s policies. This is critical or bi-annual basis to review coverages and any changes in your coverage and inexpensive. life. Susanne Romo, LUTCF has been working in insurance since  Loss Assessment for HOAs. Do you know that you HOA 1986. Her passion is showing her clients that there can be a has the right to levy assessments against every homeowner vast difference between just ‘having’ insurance…and being for repairs and maintenance that there are not enough properly insured. She can be reached at: 858 751 0956 reserves for? Or if someone gets hurt on HOA property and or at sromo@farmersagent.com

sd concerts

Massenet’s Don Quixote 3/23 John Legend Location: San Diego Time: 7:30 pm Info: sandiegotheatres.org 3/28-3/29 Peter Nero Plays Gershwin Location: San Diego Time: 8:00 pm Info: sandiegosymphony.com 3/31 Celtic Woman Location: San Diego Time: 7:00 pm Info: sandiegosymphony.org 4/2 Il Divo Location: San Diego Time: 8:00 pm Info: sandiegosymphony.org 4/4 Polo Polo Location: El Cajon Time: 7:00 pm Info: sycuan.com 4/4 Willie Nelson & Family Location: San Diego Time: 7:30 Info: humphreysconcerts.com 4/5-4/13 Massenet’s Don Quixote Location: San Diego Time: 7:00 pm 4/13 2:00 pm Info: sdcivic.org 4/6 The Cult Location: San Diego Time: 7:30 Info: humphreysconcerts.com 4/12 Nat King Cole Tribute Location: Balboa Theatre Time: 8:00 pm Info: ljms.com 4/13 Mark Chesnutt Location: El Cajon Time: 8:30 pm Info: sycuan.com 4/15 City and Colour Location: San Diego Time: 7:30 Info: humphreysconcerts.com

Il Divo 4/16 City and Colour Location: San Diego Time: 7:30 Info: humphreysconcerts.com 4/19 The Kings of Silent Comedy Location: San Diego Time: 8:00 pm Info: sandiegosymphony.org 4/25 Beethoven’s Fifth Location: San Diego Time: 8:00 pm Info: sandiegosymphony.org 4/25 Midori & Ozgur Aydin Location: MCASD Sherwood Time: 8:00 pm Info: ljms.com 4/26 Venice Location: San Diego Time: 7:30 pm Info: amsdconcerts.com 4/26 CMS: Defining Voices Location: MCASD Sherwood Time: 8:00 pm Info: ljms.com 4/26 Chubby Checker Location: El Cajon Time: 8:30 pm Info: sycuan.com 4/27 Blame Sally Location: San Diego Time: 7:30 pm Info: amsdconcerts.com 5/2 Eliza Gilkyson Location: San Diego Time: 7:30 pm Info: amsdconcerts.com 5/4 Hot Club of Cowtown Location: San Diego Time: 7:30 pm Info: amsdconcerts.com 5/9 Barry Douglas, piano Location: MCASD Sherwood Time: 8:00 pm Info: ljms.com

Ingrid Michaelson 5/9 Ingrid Michaelson Location: San Diego Time: 7:30 Info: humphreysconcerts.com 5/10 Ann Hampton Callaway Location: Balboa Theatre Time: 8:00 pm Info: ljms.com 5/13 Lindsey Stirling Location: San Diego Time: 7:30 Info: humphreysconcerts.com 5/14 Christina Perri Location: San Diego Time: 7:30 Info: humphreysconcerts.com 5/17 Alonzo Kind LINES Ballet Location: Spreckels Theatre Time: 8:00 pm Info: ljms.com 5/24 Raphael Location: San Diego Time: 7:30 Info: humphreysconcerts.com

front porch pickin san diego music from classical to bluegrass

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