savings

Money Monday: Many Americans aren’t saving enough

In a Bankrate survey, half of Americans are saving 5% or less of their income, with only a quarter saving 10% or more.

That’s far below the recommended 15% savings that Bankrate recommends — only about 1 in 7 Americans are saving that much.

The middle class appears to be doing the most saving, with 35% of income earners of $50,000 to $74,999 annually saving more than 10%. Those in the $75,000+ annual wage bracket are a close second, with 32% saving 10% or more of their income.

Read more about Bankrate’s findings in CNN’s article here: “Half of Americans are saving next to nothing”.

Do you need more Money Monday tips, so that you’re saving more of your money? View all of my posts on money here. Some related Money Monday topics: Common money mistakes, Frugal living rules, and Prioritize bills when you’re low on cash.

San Diego county activities and events this weekend

San Diego County Events for May 20 – 22

San Diego County is the place to be this weekend for festivals! And if all these festivals aren’t enough to do, check out my list of the top 20 must-do activities to do in San Diego here!


Fiesta Del Sol

At the 37th annual Fiesta Del Sol festival, enjoy musical lineups, an arts and crafts fair, family activities, food trucks, wine and beer garden, etc.

When: Saturday & Sunday , May 21 & 22 | 9am – 9pm
Where: Fletcher Cove | 111 S. Sierra Ave, Solana Beach, CA
Cost: Free
More information: fiestadelsol.net


Bacon & Barrels

All-inclusive bacon festival for those 21+; with unlimited bacon dish tastings and libation samplings, chef and mixologist demos, live music, Jenga tournament, and more bacon-related festivities!

When: Saturday, May 21 | 12 – 5pm
Where: Embarcadero Marina Park South | 200 Marina Park Way, San Diego, CA 92101
Cost: $20+
More information: www.baconandbarrels.com/sandiego


Encinitas Foodie Fest

The Encinitas Foodie Fest is an annual event that features sustainable locally sourced food, artisanal products and premiere San Diego talent.  “Best of the Fest” chef competition, chef demonstrations on three stages and live music.

When: Saturday, May 21 | 11am – 4pm
Where: Lumberyard Shopping Center | 937 S Coast Hwy 101, 937 S Coast Hwy 101, Encinitas, CA 92024
More information: foodiefestencinitas.com


20th Annual San Diego County Credit Union Festival of Arts in North Park

This weekend, enjoy the 20th Annual San Diego County Credit Union Festival of Arts in North Park, a free art and live music festival with local food and an unlimited sample craft beer block. There will also be a hands-on Kids Art Block, providing kids the opportunity to participate in interactive activities, live music and dance performances, interactive experiences, artisan items for sale, delicious locally-driven dining options and more.

When: Saturday, May 21 | 10am – 10pm
Where: University Avenue between 30th and 32nd streets, North Park
Cost: Free
More information: www.explorenorthpark.com/news/20th-annual-san-diego-county-credit-union-festival-of-arts-in-north-park


Ramona Rodeo

At the Ramona Rodeo, you will see different PRCA (Professional Rodeo Cowboys Association) and WPRA (Womens Professional Rodeo Association) contestants compete at each performance. The pros compete in bare-back riding, tie-down roping, bull riding, barrel racing, and other professional competitions.

When: Thursday – Sunday, May 19 – 22
Where: Fred Grand Arena / ROCC | 421 Aqua Lane, Ramona CA 92065
Cost: Free +
More information: www.ramonarodeo.net


San Diego Taco Fest

Tacos, beer, and music — that pretty much describes San Diego perfectly — and at the San Diego Taco Fest, you can enjoy all three in unison. The event is for 21+ adults.

When: Saturday, May 21 | 11am – 10pm
Where: Waterfront Park | 1600 Pacific Hwy, San Diego, CA 92101
Cost: $25
More information: sdtacofest.com

What’s in a Name? Energy Efficiency in Real Estate

Energy-efficient real estate and housing is a top priority for consumers; buyers and builders just call it different things.

An energy-efficient home when buying or remodeling is a top priority for 50% of interviewed consumers, and thus home builders often cater to and strive to build those types of houses. But the consumer and the builder often use different terms to describe sustainable, green and environmentally friendly real estate.

environmentally friendly real estate

This infographic is from CAR.org.

Money Monday: Rent instead of buying these things

Real estate and cars aren’t the only things you can either rent or buy; there are plenty of other rent-able things that you might not have thought about:

  • Tools – Perfect for when you have a DIY home improvement project, but probably won’t need that specific tool for anything else. Rent a chop saw for the crown molding in the bedroom, a chainsaw for the dead tree in the backyard, or a seeder to reseed your front lawn. Rent from local stores around you or Home Depot or Lowe’s, or see if a neighbor or friend has the necessary tool that you might be able to borrow. diy home improvement
  • Chickens and coops – Self-sufficiency can be a fun project or a lifetime endeavor; either way, with multiple companies with coops and chickens for rent, you can try out “home grown” eggs! Check out sites like rent-a-chicken.netrentthechicken.com, or rentacoop.com.
  • Art – Does looking at the same painting on your living room wall get boring after awhile? TurningArt.com allows you to continually rotate artwork for a monthly fee.
  • Clothes – Most cater to women, but there are several different websites now that do clothing rentals. Check out sites like renttherunaway.com, letote.com, or swapdom.com.
  • MSN.com’s article has several other practical things that you can rent: “10 Oddly Practical Things You Can Rent.”
San Diego county activities and events this weekend

San Diego County Events for May 13 – 15

Festivals, fairs and family events are all happening this weekend in San Diego County! Check out the activities below…and if these aren’t enough events, check out my list of the top 20 must-do activities to do in San Diego here!


How-To Festival

San Diego Public Library is hosting the How-To Festival on Saturday. There’s more than 70 different 4-hour long classes that you can take for free; including: first-aid, brew beer, solder, and more. The How-To Festival will take place 10am – 4pm in four different locations; click on the link below to view more information.

When: Saturday, May 14 | 10am – 4pm
Where: Four different locations; view the link below for details
Cost: Free
More information: www.kpbs.org/events/2016/may/14/how-festival/?et=63213


River Park Festival

Santee is hosting their free community River Park Festival this weekend. There will be free music, a beer garden, BMX demos, crafts, games and activities.

When: Saturday, May 14 | 3:30 – 8pm
Where: Town Center Community Park East | 550 Park Center Dr., Santee, CA 92071
Cost: Free
More information: www.cityofsanteeca.gov/Index.aspx?page=8&recordid=3167


2nd Annual Spring Fair & Boutique

Stop by Fran’s Original Farm Stand for the 2nd annual Spring Fair & Boutique this weekend. Local artist, crafts, bakers, jams & jellies, seamstress and more will have their goods for sale. There will be an afternoon BBQ lunch available, local arts/craft vendors, and fresh, local produce.

When: Saturday & Sunday, May 14 & 15 | 10am – 5pm
Where: Fran’s Original Farm Stand | 1980 Summit Dr, Escondido, CA
Cost: Free entrance
More information: www.facebook.com/events/243810299305435


17th Annual Scripps Ranch Community Fair

Nestled in the beautiful Scripps Ranch Community Park, the Fair showcases a variety of community groups, businesses and vendors. At the fair, there will be music, Kids’ Zone with fun rides, facepainting, and hands-on activities. You and your family will enjoy delicious food and refreshments, a stop by the Wine & Beer Garden, live entertainment onstage, and a free concert that night. Hosted by the Scripps Ranch Civic Association (SRCA).

When: Sunday, May 15 | 12pm
Where: Scripps Ranch Community Park | 11454 Blue Cypress Dr, San Diego, CA 92131
Cost: Free
More information: www.kpbs.org/events/2016/may/15/17th-annual-scripps-ranch-community/?et=60959


Grand Avenue Festival

At the Grand Avenue Festival, 500 vendors, children’s rides and activities will line the streets of Escondido Sunday as residents come out to enjoy rides, live music and children’s games. The festival crosses seven historic blocks of the city and marks the second largest single-day fair in California. Source: http://www.nbcsandiego.com/news/local/san-diego-weekend-events-204328381.html#ixzz48YcnDoEo

When: Sunday, May 15 | 9am – 5pm
Where: Tri-City Wellness Center | Grand Avenue, Escondido, CA
Cost: Free
More information: www.nbcsandiego.com/news/local/san-diego-weekend-events-204328381

Money Monday: Falling homeownership rates

Falling homeownership rates for more than just millennials

home buyer regretsLast year, 36.3% of households were in rentals, leaving the homeownership rate at 63.6% (10 years ago it was at 69%) (Shreya Agarwal, Forbes. http://www.forbes.com/sites/shreyaagarwal/2016/05/06/homeownership-rates-are-falling-and-its-not-just-a-millennial-problem/?ss=personalfinance#193b367ba9e0).

But according to Forbes, it’s not millennials that are the leading age range in this data; it’s 35- to 44-year-olds.

Read Forbes’ full article on this real estate data here: “Homeownership Rates Are Falling and It’s Not Just a Millennial Problem”.

Just Listed: 11911 Royal Road F, El Cajon

Super Upgraded Unit!

11911 Royal Road F, El Cajon, CA 92021

living room | 11911 Royal Road F, El Cajon, CA - home for sale by John A Silva, San Diego Realtor

Offered at $299,900 | View the virtual tour

Super upgraded, clean 3-bedroom, 1.5-bath unit — 1st offer may take it!! Just Move-IN! NO popcorn ceilings, flagstone in private patio, extra storage 36″x13′ type shed at car port, Master Bedroom has vanity w/walk in closet & shelves, NEW A/C and Furnace in 2015. Newer Kitchen-5 year warranty on cook top/oven, fridge, and microwave bought in 2013. Enjoy the cozy portable fireplace (negotiable) on a cold winter’s night, then in spring/summer play in the large pool, park and playground area for toddlers. San Diego-EAST CITY BEST BUY!

View more details here.

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Contact me today for more information or to view this home!

John A Silva | (619) 890-3648 | Email

San Diego County Events for May 6 – 8

Happy Mother’s Day! It’s time to celebrate Mom this weekend with a full social calendar — and there are many family activities and events to check out in San Diego County!

San Diego county events this weekend33rd Annual Fiesta Cinco de Mayo

The 33rd Annual Fiesta Cinco de Mayo celebration in San Diego’s Old Town is the largest in Southern California. Friday through Sunday, the three-day celebration offers music, food and fun, with: three live music stages, a cantina garden, car show, equestrian performances, historical demonstrations, and much more!

When: Friday – Sundat, May 6 – 8 | Friday: 4 – 10pm, Saturday: 11am – 10pm (with competitions in the state park at 9am), Sunday: 11am – 5pm
Where: Old Town San Diego State Historic Park | 4002 Wallace St, San Diego, CA 92110
More information: www.oldtownsandiegoguide.com/cinco


Winery Spring Arts and Crafts Fair

Join Bernardo Winery on Mother’s Day Weekend, May 7th and 8th, 2016, 10-5pm, for their Annual Spring Arts and Crafts Fair. A truly ALL-Artisan fair, where all the works are hand-crafted and sold by the 125 artists and crafters themselves.

When: Saturday & Sunday, May 7 – 8 | 10am – 5pm
Where: Bernardo Winery | 13330 Paseo Del Verano Norte, San Diego, CA 92128
Cost: Free
More information: Winery Spring Arts and Crafts Fair


Trails of the Kumeyaay

If your mom prefers the outdoors, then perhaps a short hike is the perfect activity for the weekend! Explore the scenic, historic trails of Mission Gorge with a trail guide. The tour takes off from the visitor’s center at 9:30 a.m. and the guided tour is free.

When: Saturday, May 7 | 9:30am

Where: Mission Trails Regional Park Visitor’s Center | 1 Father Junipero Serra Trail, San Diego, CA 92119
Cost: Free
More information: www.mtrp.org/events


Chocolate Festival

What mom doesn’t like chocolate? Especially a chocolate festival surrounded by beautiful botanical gardens. Enjoy dozens of delectable chocolate tastings, demonstrations, a chocolate fountain and more. This family-friendly event also features lots of children’s activities and a variety of Mother’s Day gifts.

When: Saturday, May 7 | 10am
Where: San Diego Botanic Garden | 230 Quail Gardens Drive, Encinitas, CA
Cost: $10 – $12 | “Tasting” tickets will be sold on site. | Coupon on their website
More information: www.sdbgarden.org/chocolate


Mother’s Day Weekend Craft Fair and more

Celebrate Mom at Myrtle Creek Botanical Gardens May 7th & 8th. Huge Craft Fair – Butterfly Release – Picnic Basket Lunches for Adults and Kids and there are still a few reservations available for the first ever Plantation House Mother’s Day Luncheon.

When: Saturday & Sunday, May 7 & 8 | Open 10am – 5pm, various events at specific times
Where: Myrtle Creek Botanical Gardens
Cost: Free
More information: discovermyrtlecreek.com/craft-fairs-farmers-markets-and-events