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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.

Annette Young Financial Advisor-Retirement Specialist– Investments 619-435-4276 2 Locations Coronado and El Cajon annette.l.young@wellsfargo.com home.wellsfargoadvisors.com/annette.l.young

Investment and Insurance Products | NOT FDIC Insured | NO Bank Guarantee | MAY Lose Value

Wells Fargo Advisors is the trade name used by two separate registered broker-dealers: Wells Fargo Advisors, LLC and Wells Fargo Advisors Financial Network, LLC, Members FCIC nonbank affiliates of Wells Fargo & Company. © 2010 Wells Fargo Advisors, LLC. All rights reserved. 1110-4262 [74029-v2] A1015

COMPLIMENTARY CONSULTATION & FINANCIAL REVIEW

Millicent MEGAN MCGHEN

Hair Stylist 619·464·3166

4695 Palm Avenue · La Mesa · CA · 91942

and Company Salons

Copyright © 2014 From The Front Porch Journal

FROM THE FRONT PORCH JOURN@L nov_m\_r/^_]_m\_r ]ontri\utors:

The Real Estate Brief A Note from Rosemary: Rosemary Joles Mortgage Memo: Carolyn Plummer Home: Lisa Vasey San Diego Adventure: Rosemary Joles Travel San Diego: Barbara Allen Voyage the Globe: Beth Taylor Hotel Del Photo: hoteldel.com Bravo and Mia Bites: Todd Joles Books or Blogs: Todd Joles Technaholics: Todd Joles Ingenious: Rosemary Joles Nitty Gritty: Susanne Romo

Copyright © 2014 From The Front Porch Journal

Front Cover Photography istock by Getty Images

contents NOVEMBER/DECEMBER 2014 ^_p[rtm_nts

4 the real estate brief a note from rosemary carolyn’s mortgage memo

5 home reimagine your home

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-fiesta christmas tree

10 hotel del coronado

12 minutia useless knowledge bravo and mia bites rosebud’s garden-alyogyne huegelii

13 upcycle trash to treasure-wine bottle “sleeves”

14 bits and pieces ponderings techalicious ingenious

15 sd outdoors sd sports park exploration-sea grove park sd word find-christmas fun

16 nitty gritty ten things you may not know

17 sd concerts front porch pickin’

18 domiciles from east county to coast

12

8

9

From the Front Porch Journal Published by and compliments of:

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

Follow our blog at: LivinInSD.com

Like us on Facebook at: Facebook.com/LivinInSD

Follow us on Pinterest Pinterest.com/rosemaryjoles/

A VA mortgage is one of the best options for borrowers that don't have a down payment for a home purchase. It is a loan program available to both active military and

veterans and is somewhat easier to qualify for than conventional mortgages. If you think you may be eligible for a VA loan here are 5 things you need to know:

1. Eligibility: Active military, veterans, reservist and National Guard members are eligible for VA financing. Active duty military usually qualify after 6 months of service. For Reservist and National guard the wait period is usually 6 years except during war time, then the wait period is only 90 days. Borrowers must obtain a Certificate of Eligibility before applying for a loan. I can help you with that easy process. 2. Advantages of VA financing vs FHA or conventional: VA financing allow the borrower to put less than 20% down and NOT have monthly mortgage insurance. With VA financing, in most cases, you can put 0% down. FHA requires a minimum of 3.5% down and conventional financing requires 5% down. FHA has monthly mortgage insurance regardless of the down payment percentage. 3. Fees: The lender, title, and escrow fees are the same for VA loans as they are for FHA and conventional. However, VA charges an upfront funding fee. This funding fee can be either paid at closing or can be financed into the loan. The funding fee is based on percentage of the loan amount. For Regular Military and first time use of VA financing, the funding fee is 2.15% of the loan amount if putting less than 5% down. If you are receiving VA disability benefits, your upfront funding fee is waived completely. 4. Underwriting Guidelines: You must have minimum 620 fico score. Chapter 7 bankruptcies must be at least 2 years from discharge date. Previous foreclosures and short sales must be seasoned 2 years. The property must be owner occupied within 60 days of closing escrow. 5. Loan Assumption Option: VA financing, like FHA, has this unique feature. As rates increase in the future, you can offer a VA eligible buyer the option to assume your lower rate loan. That buyer must be approved by the current lender for the assumption to be legal, but it can be a great selling feature.

As you can see, VA financing has many benefits over FHA and conventional financing. In your are interested in learning more about this financing option, please contact me today 

the real estate brief a note from rosemary

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

O ne of the most difficult events in a human beings life is losing someone they love. On August

26, I lost a person that I loved dearly, my Grandma Amy. She was the woman who stepped in to be my mom, when I was

only 4 and my sister was 2. She had 96 years to make an impression on those around her and boy did she. She was a woman of few words, lived a simple life, loved travel adventures, gardening, quilting/embroidery and baked the best made from scratch bread you could ever imagine. She taught not by words but by being the roll model of all that is good about her generation. I loved and appreciated her and she knew it. Many of her talents lives on in each of those whose lives she touched. My life would have been much different if it were not for her being the unselfish, kind and loving person that she was. Thank you Grandma for always being you, no matter who was around and making a difference in so many lives. You will be truly missed.

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 prop-erty approval. Not all products are available in all states or for all loan amounts. Other re-strictions and limitations apply. CA: Licensed by The Department of Business Oversight under the CA Residential Mortgage Lending Act

What’s new in Real Estate? The week of November 24, the California Association

of Realtors will be rolling out a new residential purchase agreement. Two of the biggest changes are the buyer contingency period being extended from 17 days to 21 and the termite request is no longer on a separate form, but will become part of the request for repairs. If you are buying a home you will want to make sure your agent is using the most up to date form.

Renters can now initiate having their good rental history sent to the three credit bureaus through companies such as Denver based CreditKarma.com. Depending upon their current credit, a individual can see anywhere from a 15 to 100 point increase in their credit score, per Credit Karma.

Speaking about credit. In the past when an individual paid off an old debt, their credit score suffered. That never made sense to me. No more, the credit bureaus wised up and now when old debt is paid off the consumer can expect an increase in credit score.

Be on the look out on our blog livininsd.com to read more about the above real estate news.

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

W e need you! Actually, we need you and your porch! In 2015 we would like to feature

San Diego County residents inside the journal and their San Diego County Porch on the cover. All you need to do is send us a photo of your porch and tell us a little about yourself. We will be choosing 6 porches/families to feature in 2015. You can enter by emailing us at Homes@LivinInSD.com or mail us at 8277 La Mesa Blvd., La Mesa, CA 91942 to enter. Deadline to submit a porch is 11/30/14.

home reimagine your home

W hen I tell people that I’m a Home Stager & Redesigner, I often hear, “What exactly is redesign?” Good question! I’ll then explain that staging utilizes

much of what you already own to create an inviting environment to attract buyers, and redesign uses items you already have to reimagine your home. The difference between staging and redesign is that staging is focused on depersonalizing a space, while redesign is using what you have to make a space that is personalized to your taste. Redesigners will rarely suggest major structural changes, which can be costly. The focus is usually on low-cost, but high impact changes that will transform the space into one you love.

There are a number of occasions that you may want to use the help of a redesigner. The first, and perhaps most obvious, is when you move into a new home. If you bought furniture specifically for your previous house, you might have difficulty making it work in your new place. There might be oddly shaped rooms, or an open concept space that needs defining. If you’re stumped, one of the best decisions you can make is to book a consultation with a

redesigner. In just a couple of hours, their fresh perspective coupled with their expertise is time and money well spent.

Want to paint but are overwhelmed by all of the choices? Most redesigners can also provide color consultation, and help you create flow through your space by ensuring a cohesive palette that sets the mood you desire.

Not moving, but want to refresh your home and not sure where to start? A redesigner can be your route to making the right decisions the first time. From rearranging furniture, artwork, and accessories to shopping for new items, selecting new cabinets, counters, hardware, lighting, rugs…you name it - a redesigner can not only help you define a style, but also save you money.

Here’s a little secret - one of the biggest advantages of working with a redesigner is their access to trade-only pricing – whether your project is small or large, a redesigner can help you get more bang for your buck.

So next time you take on a home improvement project, hire a redesigner before you start – I bet you’ll be glad you did!

Lisa Vasey, lives in La Mesa with her husband and two pugs. When not staging or redesigning, Lisa likes to try new restaurants and recipes, travel, read, and enjoy live music. You can find Lisa on the web at stagedtodaysoldtomorrow.com. Reach out to Lisa at 619.335.8550 or email her at lisa@stagedtodaysoldtomorrow.com for help with your redesign or staging project.

Before: No focal point. Everything is lined up against the walls.

After: Enjoy this comfy setting in front of a cozy fireplace and enjoy a movie.

Before: Cluttered and uninviting. After: Who wouldn’t want to have breakfast here?

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lifestyle experience sd theatre

San Diego Adventures December-January

HOLIDAY DELIGHTS

Syquan’s Fantasy on Ice November 21-January 5 sdice.com/Horton

Mother Goose Parade November 23 mothergooseparade.org

The Hotel Del Ice Rink Opening November 27-January 4 hoteldel.com

Balboa Park December Nights December 5-6 balboapark.org

La Jolla Christmas Parade December 7 ljparade.com

The Nutcracker December 13 sandiegotheatres.org

San Diego Ballet: The Nutcracker December 27-28 sandiegosymphony.org

San Diego Bay Parade of Lights December 14 & December 21 sdparadeoflights.org

Victorian Tea December 14-December 31 hoteldel.com

Poinsettia Bowl December 23 sandiegobowlgames.com

Big Bay Ballon Parade/Holiday Bowl December 27 sandiegobowlgames.com

San Diego County Christmas Lights Schedule will be posted November 24 on livininsd.com

Lamb’s Players Theater lambsplayers.org

Boomers 2014 June 14-November 23

Les Miserables July 18-November 2

An American Christmas December 15-December 27

Festival of Christmas November 29-December 28

The Coronado Playhouse coronadoplayhouse.com

Spamalot October 24-November 30

Mistletoe, Music & Mayhem December 11

San Diego Rep drep.org

Honky November 8-December 7

Steal Heaven January 3-January 25 The Old Globe theoldglobe.org

Bright Star September 13-November 2

They Royale October 4-November 2

Pericles, Prince of Tyre November 15-November 23

Dr. Seuss’ How the Grinch Stole Christmas November 15-December 27

Murder for Two January 24-Mar 1

Off Broadway Live offbroadwaylive.com

Decades-The 60’s September 12-November 22

Chicken Fried Christmas November 29-December 21

New Year’s Eve at Off Broadway Live December 31

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travel san diego

hotel del coronado By 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.

All photos courtesy of Barbara Allen Except vintage photo of Lemon, Curtis and Monroe

courtesy of: thevintagemarquee.blogspot.com

A s you cross over San Diego Harbor to Coronado, at mid-span of the gentle curve of the Coronado Bridge, the red turrets of the Hotel Del Coronado jut above the island like ruby crowns. This gem, built during the Victorian Era in

Queen Anne Revival architecture, has graced the white sandy beaches of Coronado since 1888. At that time, it was the largest building to have electricity and has been the host to 11 presidents since its opening. Today, the Hotel Del, or “The Del” serves as a landmark resort for locals and tourists from around the world.

Enter through the main door and step into the nineteenth century lobby. A crown-shaped, multi-tiered crystal chandelier illuminates the rich coffee-colored Oregon oak paneling. Coffered ceilings soar above the catwalk gallery that overlooks the lobby. Diners eagerly await a sumptuous Sunday brunch in the elegant Crown Room.

Ride the metal-grated elevator to the floor below and browse through 17 unique shops. Sip cocktails in the Babcock and Story Bar or lunch at Sheerwater overlooking the Windsor Lawn and the azure Pacific beyond. Grab a drink and a sandwich at the Sun Deck Bar overlooking the beach and relax in lounge seating around a personal fire pit. Watch as sailboats tack across the sea toward Point Loma in the distance. Or sit at a table overlooking the turquoise pool. Lounge in maroon and white candy-striped cabanas on the sugary sands where Marilyn Monroe once cavorted during the filming of Some Like It Hot in 1958.

For the Holidays This holiday season, “The Del” is serving a lavish Thanksgiving feast with all the trimmings in the Crown Room and the oceanfront Ballroom. For Christmas, the hotel’s holiday theme is “Building Seaside Memories,” beginning with raising the chandelier in the lobby to accommodate a towering, live Christmas tree trimmed with elegant ocean-themed decorations. Visitors and guests can ice-skate on an outdoor skating rink on the Windsor Lawn, overlooking the Pacific. Throughout the holiday season, the lilting sounds of a harpist will entertain guests during a traditional Victorian Tea. On Wednesday, December 3, a special event will include fireworks and performances by students from Coronado schools. Santa and his elves will be there to delight children. The award-winning Lamb’s Players Theatre will perform their annual production of An American Christmas in the Ballroom. Guests will be entertained with stories, songs, and dances while dining on a four-course dinner. On Christmas Eve, a Victorian buffet dinner will be served in the Crown Room, and a traditional holiday buffet will be served in the Crown Room and the Ballroom on Christmas Day. So this holiday season, step back in time and enjoy all that “The Del” has to offer.

Marilyn Monroe, Tony Curtis and Jack Lemon on the set of Some Like it Hot filmed

at the Hotel Del Coronado

family corner

out of the mouths...

front porch wisdom

Come Sit

for a Spell

P eople who have experienced Aruba feel like they have their own secret hideaway. How it’s stayed under the radar of so many people is surprising to me. Of all the

Caribbean islands I’ve visited, this is my favorite by far! They must do something right in Aruba…it has the highest rate of return visitors of any destination in the Caribbean.

Aruba is a relatively small island. It’s only 20 miles long and slightly less than 6 miles across at its widest point. It’s one of the Dutch “ABC Islands” consisting of Aruba, Bonaire, and Curacao and only 19 miles off the north shore of Venezuela. It’s very easy to get around in Aruba whether you take public transportation or opt to rent a car or motorcycle. The architecture has a decidedly Dutch influence, with the multi-colored Caribbean color spectrum evident in its housing and buildings.

Aruba’s leading industry is relaxation! Its near-perfect weather with cool breezes and low humidity, coupled with miles of white sand beaches and crystal clear water make it a great place to vacation for all ages. Because it is situated far below the hurricane belt of the Caribbean, there’s never a bad time to visit. The weather is beautiful year-round.

Activities abound in Aruba. It’s a great place to snorkel, scuba dive, windsurf, explore or simply lay on the beach. When the evening rolls around, you can dine in some of the finest restaurants in the Caribbean. There’s also a night life with casinos, night clubs, and shows.

If you’re looking for your next tropical get-away, Aruba may be

voyage the globe

aruba—desert island of the abc’s the answer! I would welcome the opportunity to tell you more about my favorite island and help you plan a spectacular visit!

Realizing that their home just wasn't big enough with the new baby in the house, Ella’s parents discussed moving to a bigger one. Ella sat patiently listening to her parents, then piped in, "It's no use. He'll just follow us anyway.

Gratitude is riches. Complaint is poverty.

-doris day

Beth Taylor is a local travel consultant who has been in the travel industry for over 30 years. She specializes in group and family travel. Her experience has taken her to places around the world. She’d love to help you plan your own unique vacation or simply “talk travel” with you! She can be reached at TMTravel@cox.net or 619-303-8771. Visit her website at BethTaylorMadeTravel.com for more tips about travel and some of the latest travel specials.

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delish

where’s rosemary?

et cetera

Seagrove Park 1601 Coast Blvd..

Del Mar, CA 92014 No winners! Try again!

where was rosemary?

1 package 8 oz. cream cheese

Yellow or green bell pepper

1 piece 2 inches green onion

1/4 cup Old El Paso Thick ‘n Chunky salsa

1/4 cup apricot preserves or orange marmalade

1 teaspoon chopped fresh cilantro

Assorted tortilla chips, crackers or sliced vegetables

Preparation Instructions

1. Cut block of cream cheese diagonally in half; arrange on plate with shallow rim to form triangle

2. Cut star out of bell pepper with star-shaped cookie cutter; place at top of tree. Place green onion piece at base of tree.

3. Mix salsa and preserves; spoon over cream cheese. Sprinkle with cilantro. Serve with tortilla chips, crackers or veggies.

Ingredients

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easy fiesta christmas tree

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 us at Homes@LivinInSD.com or call us at 619.405.7673.

"To a vast number of people, the word hotel has a double meaning. It signifies their home, as well as a place of temporary meals and lodging....Inside the Hotel Del Coronado, the guest is at once gratified and delighted with the perfection of all the appointments. You wonder if you are in a fairy palace or a hotel of the 19th Century. The soft Persian rugs, the Oriental tapestries, the antique design of the furniture, the luxurious baths, the odor of orange and pomegranate blossoms, all appeal to you and you join the throng of devotees to Coronado the Lovely....Close by the hotel is the lawn tennis court, and when the guests, costumed like the knights errant of olden time appear, you might imagine yourself transported to the court of Louis the 14th."

-Elisha S. Babcock one of the original owners of the Hotel Del Coronado

The average person consumes 4,500 calories on Thanksgiving Day. (That is nearly twice as many recommended

calories for an adult males daily consumption)

rosebud’s garden

If you get to thinkin' you're a person of some influence, just try orderin' somebody else's dog around.

-- Cowboy Wisdom

bravo & mia bites

useless knowledge

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, writing, creating adventures with her grandchildren, reading, photography, blogging, social media, music and most of all laughing daily!

botanical name: Alyogyne huegelii common name: Blue Hibiscus

Likes: Sun to Partial Shade Hates: Overwatering. (Water regularly) Blooms: Purple Negatives: Can get leggy unless frequently pruned.

minutia

Photo credit: Rebecca Johnson

To see more San Diego plants go to: www.LivinInSD.com

Garden as though you will live forever.

-William Kent

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

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/LivinInSD

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Photo credit: australiannativelandscapes.net

Photo credit: dawsonsgardenworld.com/au

upcycle

From Trash to Treasure Men’s dress shirt Ribbon or tag Cuff links (optional) Thread Sewing machine Project at: myjunkobsession.com/2013/11/wine-sleeve-from-mens-dress-shirt.html For more upcycle ideas go to: pinterest.com/rosemaryjoles/livininsd-upcycle/

ift idea...dress shirt to wine sleeve

diycozyhome.com

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bits and pieces

What was your favorite toy when you were a child?

ponderings

From Marcandangel.com

ingenious

Use old drawer pulls as wall-mount

organizers. Use the pulls to hold keys, glass and notes attached with curtain clips. Source: bhg.com

Never run the risk of giving a bad bottle of wine as a gift, having a bad bottle of wine for a

special occasion or forget a wine you love ever again! Vivino, the number 1 rated wine app comes to the rescue. It can scan/photograph the label and gives you instant access to reviews and ratings. Best of all, it lets you share info with friends. It comes in both android and apple products. Check it out at vivino.com

hang It

up

Source: buzzfeed.com

techalicious books or blogs

The night after the fourth of July, Layton Carlson Jr., of Red Wing, Minnesota, had picked the perfect

spot to park with his girlfriend. An abandoned farmyard in the middle of cornfields: nice, private, and quiet. The only problem was . . . something smelled bad—like, really bad. He mentioned it to a county deputy he knew, and when the cop took a look, he found a body stuffed down a cistern. By the time Lucas Davenport and his team were called in, the police were up to fifteen bodies and counting. When Lucas began to investigate, he made some disturbing discoveries of his own. The victims had been killed over a great many years, one every summer, regular as clockwork. How could this have happened without anybody noticing? The killer had to live close by. He was probably even someone they saw in town every day. . . .

SD Sports

sd outdoors

Find the answers at www.LivinInSD.com/ws

christmas fun word search

Angel Bells

Candy Cane Carols Cider

Cookies

Decorate Eggnog

Elves Feliz Navidad

Garland Holly

Hot Chocolate Nutcracker

Scrooge Stocking

Sugarplum Wassail

Seagrove Park

1601 Coast Blvd.

Del Mar, CA

858-259-0502

park exploration

delmar.ca

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Date Opponent Time Network 11/24 Bringham Young 6:30 pm ESPN2 11/25 Pittsburg/at Chaminade 11:30 am ESPN2/ESPN 11/26 TBD TBD ESPN 12/4 San Diego 8:00 pm ESPNU 12/7 at Washington 6:00 pm Pac-12 Network 12/10 Long Beach State 7:00 pm ESPN3 12/17 at Cincinnati 9:00 pm ESPN2 12/20 Ball State TBD Campus Insiders 12/22 UC Riverside TBD 12/27 San Diego Christian TBD 12/31 Air Force* 2:00 pm ESPN3

Men’s Basketball November-December 2014

Date Opponent Time 11/14 Sacramento State 2:00 pm 11/16 Long Beach State 2:00 pm 11 /21 at Furman 7:00 pm 11/23 at South Carolina 1:00 pm 11/27 vs. Idaho State 3:00 pm 11/29 vs. Michigan 1:00 pm 12/7 UC Santa Barbara 2 :00 pm 12/9 at San Diego 6:00 pm 12/18 Washington 6:00 pm 12/20 Cal State Northridge 2:00 pm 12/23 at UC Riverside 2:00 pm 12/31 at AirForce* Noon

Women’s Basketball November-December 2014

Home games in BOLD

*Mountain West game

All times local to site

nitty gritty ten things you might not know about insurance

I f you have renters or homeowners insurance, your personal property is covered around the world up to the limits and conditions of the policy. This does not include forgetting your camera or wallet at the Parisian café, but it would cover it if it was stolen from you or your hotel room.

1) Motorized vehicles for disabled persons may or may not be covered in your homeowner’s policy. This can be important if your mobility scooter or power chair is inside or attached to the vehicle. 2) Falling Space Debris crashes into your home. If it’s not excluded, it’s included. 3) You need to separately list and insure collections, jewelry, art, cameras, musical equipment, antiques and watches among other things. 4) If you use an antique for day to day use, it’s just furniture. 5) Your personal property is not covered by your auto insurance. So if your car is stolen and you don’t have renters insurance or homeowner’s insurance, there is no coverage for those items.

6) Dog bite claims, if to a minor, stay “open” until the minor is 20. The minor has 2 years to claim for pain, suffering and any other damage. Generally speaking, dog bites are a “one-and-done” even if you get a different dog. Insurers look at the dog-owner as a part of the problem. 7) If someone cuts you off in traffic and then brakes and you rear-end them….you are at fault. Give people space and let them cut in. 8) If a vehicle is blocking traffic or is stopped and you need to get around them, there are no laws that say the first person behind the stopped vehicle has precedence. If you are ahead of a motorcycle but they get past you and you hit them…..you are at fault….even though they ‘cut in line’ in front of you. 9) If you upgrade your kitchen and don’t tell your insurance company…and your house burns down…the insurance company will replace the old kitchen, not the new one.

Take the time to sit down with your agent and review your coverages.

Upgraded your kitchen? Don’t forget to tell your insurance company!!!

It’s just furniture if you use your antiques every day.

Susanne Romo, LUTCF has been working in insurance since 1986. Her passion is showing her clients that there can be a vast difference between just ‘having’ insurance…and being properly insured. She can be reached at: 858 751 0956 or at sromo@farmersagent.com

sd concerts

12/2 Center Stage: Highland Way Location: Escondido Info: artcenter.org

12/3 Bill Magee Blues Band Location: Escondido Info: artcenter.org

12/3 Chris Isaak Holiday Tour Location: Belly Up Info: bellyup.com

12/3 Judy Collins: Holiday Hits Location: Belly Up Info: bellyup.com

12/5 Irish Christmas in America Location: National City Info: amsdconcerts.com

12/5 Mariachi Sol De Mexicao: A Merry-Achi Christmas Location: Escondido Info: artcenter.org

12/5-12/7 Quint Plays Khachaturian Location: Copley Symphony Hall Info: sandiegosymphony.org

12/6 Digitour 2014 Location: Downtown Info: sandiegotheatres.org

12/6 David Benoit Christmas Tribute to Charlie Brown Location: Poway Info: powayarts.org

12/7 Pink Martini Location: Escondido Info: artcenter.org

12/10 Merle Haggard Location: Escondido Info: artcenter.org

12/10 Celtic Woman Home for Christmas Location: Downtown Info: sandiegotheatres.org

12/11 The Songs of Kate Smith w/Stephanie Blythe and Craig Terry Location: Downtown Info: sandiegotheatres.org

12/13 Sheila E Location: El Cajon Info: sycuan.com

12/15 Ryan Adams in Concert Location: Copley Symphony Hall Info: sandiegosymphony.org

12/17 Christmas with Lunasa Location: Escondido Info: artcenter.org

12/19-12/21 Holiday Pops Location: Copley Symphony Hall Info: sandiegosymphony.org

12/20 Peter Asher Location: National City Info: amsdconcerts.com

12/21 The Dick Dale Holiday Show Location: Belly Up Info: bellyup.com

12/23 Blind Boys of Alabama Christmas Show Location: Escondido Info: artcenter.org

12/23 Dave Koz & Friends Location: Downtown Info: sandiegotheatres.org

1/1 Salute to Vienna Location: Copley Symphony Hall Info: sandiegosymphony.org

1/7 Wow First Wednesdays: Jimmy & Enrique Location: Escondido Info: artcenter.org

1/9-1/11 Sir Neville Marriner Location: Copley Symphony Hall Info: sandiegosymphony.org

1/17 Herman’s Hermits Starring Peter Noone Location: El Cajon Info: sycuan.com

1/24 Felix Cavaliere’s Rascals Location: Poway Info: powayarts.org

1/21 Jazzreach featuring Metta Quintet Location: Escondido Info: artcenter.org

1/24 Jesse Cook Location: Escondido Info: artcenter.org

1/24 Felix Cavaliere’s Rascals Location: Poway Info: powayarts.org

1/25 ZOFO Location: Escondido Info: artcenter.org

1/28 Johannes Moser (Cello) Location: Copley Symphony Hall Info: sandiegosymphony.org

1/30-1/31 John Williams: Maestro of the Movies Location: Copley Symphony Hall Info: sandiegosymphony.org

1/31 Abbey Road’s Beatles vs. Stones Location: Belly Up Info: bellyup.com

san diego music from

classical to

bluegrass

front porch pickin

Chris Isaak ZOFO Blind Boys of Alabama

Banker’s Hill · $495,000-$525,000 livininsd.com · 619·405·7673

Mission Valley · $265,000 livininsd.com · 619·405·7673

Alpine · $479,000 livininsd.com · 619·405·7673

domiciles

University City · $799,000 livininsd.com · 619·405·7673

National City · $364,999-$379,999 livininsd.com · 619·405·7673

Rancho Penasquitos · $699,900 livininsd.com · 619·405·7673

from east county to the coast

Del Cerro · $529,000-$549,000 livininsd.com · 619·405·7673

Vista · $452,990 livininsd.com · 619·405·7673

Oceanside · $925,000 livininsd.com · 619·405·7673

La Mesa · $549,000-$585,000 livininsd.com · 619·405·7673

Carlsbad · $1,900,000 livininsd.com · 619·405·7673

Mira Mesa · $434,000 livininsd.com · 619·405·7673

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very home is a masterpiece

To all of you who have chosen to have us help you buy, sell, or lease a home in our 20+ year career. A heart felt, thank you! Your trust in choosing us to be your real estate professionals has not been taken for granted.

May each of your homes be filled with the joy of family & friends and the happiness of the holiday season.

Rosemary Joles 2014 Five Star Real Estate Agent

Residential Sales · Leasing 619· 405· 7673

Homes@LivinInSD.com LivinInSD.com

SOLD · $382,500 · 4 BD/2BA livininescondido.info · Escondido

Little Italy · Starting at $269,000 livininlittleitaly.info

La Mesa · Starting at $300,000 livininlamesa.com

Active · $995,000 · 3+/2 Text: BestHomeDeal to 79564 for info

Active · $485,000 · 4/2 · La Mesa Text: BuyMeNow to 79564 for info

Ocean Beach · Starting at $499,000 livininsd.com

New Construction · Starting at $452K livininmynewhome.com

San Carlos · Starting at $450,000 livininsd.com

Marina District · Starting at $295,000 livininmarinadistrict.info