personal finance

Money Monday: Common money mistakes

You might be making these common money mistakes:

  • Not having a budget or paying attention to your budget
  • Paying bank fees that are unnecessary
  • Not saving “rainy day” funds
  • Not having the right life insurance
  • Not preparing for retirement

There are plenty of other financial mistakes, but here are even more of the most common ones, along with Forbes’ suggested solutions: “13 Common Money Mistakes — And Their Solution”.

 

San Diego County Events for April 29 – May 1

San Diego County is busy with all sorts of activities and events and festivals going on this weekend — there is something for everyone in the next few days!

San Diego county events this weekend5th Annual Spring Festival & Maypole Dance

spring-festival-flyerThe event features music, kid crafts, face painting, food trucks, cupcake walks, local vendors and opportunity drawings. This is a family-friendly event and all proceeds help sponsor the school’s specialty classes, field trips, and classroom supplies. Musical performers include Hullabaloo, Kathryn the Grape, and the Yes Team. View the flyer here.

When: Sunday, May 1 | 10:30am – 3pm
Where: NUA Sparrow School | 4207 Spring Gardens Road, La Mesa
Cost: Free
More information: nuasparrow.org/2016/03/09/spring-festival


Mission Federal ArtWalk

On April 30 & May 1, 2016, Mission Federal ArtWalk will fill 17 blocks in San Diego’s Little Italy neighborhood.  Thousands of attendees come to view and purchase artwork, enjoy the music and dance and participate in interactive art experiences.

When: Saturday & Sunday, April 30 & May 1 | 11am – 6pm
Where: Little Italy, San Diego
Cost: Free
More information: www.artwalksandiego.org/missionfederal


Adams Avenue Unplugged

UNpluggedPosterThe fifth annual Adams Avenue Unplugged will feature 150 live musical performances staged inside restaurants, bars, coffee houses and galleries on Adams Avenue.

When: Saturday, April 30, 12pm – 10pm | Sunday, May 1, 12pm – 7pm
Where: Adams Avenue | From Texas Street to Marlborough Drive, San Diego, CA 92116
Cost: Free – $15
More information: www.adamsavenuebusiness.com/event-info/adams-avenue-unplugged


Fiesta del Mar

The first ever Fiesta del Mar – a cross-border Celebration of Friendship between the cities of Imperial Beach and Rosarito, Mexico. The day-long, family-friendly celebration will showcase live musical acts from both the Rosarito and San Diego areas as well as interactive family activities hosted by the Boys & Girls Clubs of both cities.

When: Saturday, April 30 | 12 – 7pm
Where: Pier Plaza, Imperial Beach, CA
Cost: Free
More information: www.facebook.com/events/1133980979980050


32nd Annual Children’s Book Party

Calling all children and families in San Diego! The 32nd Annual Children’s Book Party will be held at the world famous Spreckel’s Organ Pavilion in Balboa Park on April 30, 2016!

All children in attendance will receive two brand-new books (for free)! And there will be light refreshments and entertainment for all.

When: Saturday, April 30 | 8:30 – 10:30am
Where: Spreckel’s Organ Pavilion | Pan American Rd E, San Diego, CA 92101
Cost: Free
More information: www.childrensbookparty.org


14th Annual Spring Demo Days – Huge Outdoor Golf Demo Day

Carlsbad Golf Center 14th Annual Spring Demo Days & Custom Fitting Experience is San Diego’s largest outdoor, on-the-driving-range golf demo event. Golfers of all skill and experience levels can test the latest equipment, get info from 25+ brand vendors and save on new clubs and throughout the pro shop.

When: Friday, April 29 at 10am | Saturday, April 30 at 9am
Where: Carlsbad Golf Center | 2711 Haymar Drive, Carlsbad, CA
Cost: Free
More information: www.thecarlsbadgolfcenter.com


El Cajon’s 26th Annual Arbor Day Ceremony

The City of El Cajon – a community designated a “Tree City USA” for the past 18 years for its devotion to planting and maintaining trees – will host its 26th Annual Arbor Day Ceremony at Hillside Park (840 Buena Terrace). Volunteers will plant more than 20 new trees in the surrounding park. The event also includes light refreshments and free tree seedlings distributed by SDG&E.

When: Saturday, April 30 | 8am

Where: Hillside Park | 840 Buena Terrace, El Cajon, CA
Cost: Free
More information: www.ci.el-cajon.ca.us/discover-el-cajon/events


Spring Talmadge Art Show

More than 80 local artists will showcase their works, all for sale, at this homegrown local craft show, now in its 23rd year. The crafts come in all sizes: jewelry, clothing, handbags, pottery, mixed media, and more will be up for grabs here. Artists will be on hand to answer questions.

When: Sunday, May 1 | 10am
Where: Liberty Station Conference Center | 2600 Laning Rd, San Diego, CA 92106
Cost: Free
More information: www.talmadgeartshow.com

March home sales and price increase

March existing home sales and median price accelerate from previous month and year

Source: C.A.R.

urban real estate prices, most live in suburbsCalifornia home sales rose from both the previous month and year to post the highest sales pace in six months, while strained housing supplies continued to push home prices higher, according to the CALIFORNIA ASSOCIATION OF REALTORS® (C.A.R.).

Making sense of the story

  • Existing, single-family home sales totaled 415,220 in March on a seasonally adjusted annualized rate, up 5.5 percent from February and 5.7 percent above March 2015.
  • March’s statewide median home price was $483,280, up 8.9 percent from February and up 4 percent from March 2015.
  • The median number of days it took to sell a single-family home declined in March to 29.9 days, compared with 41.4 days in February and 34.2 days in March 2015.
  • March’s sales level rose above the 400,000 level for the first time in three months.
    C.A.R. President Pat “Ziggy” Zicarelli commented, “California’s housing market is moving in the right direction as we enter the spring home-buying season, but sales growth will likely be isolated in areas where inventory is more abundant and housing affordability is less of an issue. For example, in the Bay Area, where inventory is extremely tight, annual sales are down in the double-digits in seven of the region’s nine counties.”
  • The number of active listings increased slightly for the third consecutive month after declining for five straight months, but was not enough to boost housing supplies. Active listings increased 3.9 percent from February on a statewide basis.
  • The increase in active listings was outpaced by the rate of home sales, causing C.A.R.’s Unsold Inventory Index to drop from 4.6 months in February to 3.6 months in March.

Read the full story: www.car.org/newsstand/newsreleases

Money Monday: Millennials under pressure

Millennials have multiple financial stresses

Why do millennials have more financial challenges than baby boomers? Several reasons:

  • Home prices have increased
  • It’s pricey raising a child
  • Median household incomes have decreased
  • More have student debt

CAR_Millennials_Under_Pressure

This infographic is from CAR.org.

San Diego county activities and events this weekend

San Diego County Events for April 22 – 24

Come down to San Diego County this weekend for some fun activities and events! And if these aren’t enough events, check out my list of the top 20 must-do activities to do in San Diego here!


52nd annual Lakeside Rodeo

The 52nd annual Lakeside Rodeo rides again with thrilling moments in the arena, plus a parade, the Miss Rodeo Lakeside pageant and other activities. The rodeo – Lakeside’s biggest community event of the year – features four performances: 7:30 p.m. Friday; 2 p.m. and 7:30 p.m. Saturday; 2 p.m. Sunday. Each performance includes classic rodeo acts like saddle bronc riding, bull riding, steer wrestling, roping, barrel racing and kids stick horse racing. Tickets start at $15 per adult and $10 for kids.

When: Friday – Sunday, April 22 – 24
Where: Lakeside Rodeo Grounds | 12584 Mapleview St., Lakeside, CA 92040
Cost: $15 for adults, $10 for kids
More information: www.lakesiderodeo.com


Linda Vista Multicultural Fair & Parade

The Linda Vista Fair, held annually on the 6900 block of Linda Vista Road, (between Comstock and Ulric Streets) is intended to promote cultural awareness and understanding within the City of San Diego. Its numerous cultural exhibits, varied ethnic food offerings and delightful artistic performances are eagerly anticipated by residents and visitors to San Diego.

We are very excited for the 2016 Linda Vista Multi-Cultural Fair and Parade!  Our theme in 2016 will be “A Community of Learning” – to emphasize the education available within Linda Vista.

When: Saturday, April 23 | 10am – 5pm
Where: 6900 Linda Vista Rd., San Diego, CA 92111
Cost: Free
More information: www.lindavistafair.org


The Encinitas Street Faire

The Encinitas Street Faire are located down the center of six blocks of scenic South Coast Highway 101, two blocks from the Pacific Ocean. In the spring street faire, ongoing since 1983, international food, children’s rides, four live stages, and the craft brewery beer garden guarantee that there will be fun for the whole family.

When: Saturday & Sunday, April 23 & 24 | 9am
Where: Downtown Encinitas on South Coast Highway 101
Cost: Free?
More information: www.kennedyfaires.com/encinitas

Money Monday: Has money, will buy

Consumers’ expectations for their money

Today’s consumers are a little more cautious in what they spend their money on; while they may have the means, they may not necessarily spend it. That’s because many have an increased expectation for what their money will buy — and if it’s not enough bang for the buck, often skip the purchase, including home purchases. Good to know for home sellers in the real estate market!

Today's consumers: have money, will buy?

This infographic is from CAR.org.

San Diego county activities and events this weekend

San Diego County Events for April 15 – 17

San Diego County again has a myriad of family activity options, for the weekend of April 15 – 17! The festivals and events going on cover: jazz, avocados (a staple of Fallbrook!), antiques, home improvements, art, florals, and more! Want something else to do this weekend? Check out my list of the top 20 must-do activities to do in San Diego here!


10th Annual Oceanside Jazz Festival

The Oceanside Jazz Festival consists of educational and performance opportunities for school and community jazz bands and choirs, and featured concerts by internationally recognized performing artists. Come celebrate 10 years with them!

When: Thursday – Saturday, April 14 – 16
Where: MiraCosta College | 1 Barnard Dr, Oceanside, CA 92056
Cost: Free – $12
More information: www.oceansidejazzfestival.com/#!vocal-festival/c1xtc


Del Mar Antique Show & Sale

The Del Mar Antique Show & Sale is celebrating its 56th great year at the beautiful Del Mar Fairgrounds. Dealers come to sell their quality vintage goods and collectibles.

When: Friday – Sunday, April 15 – 17 | 11am – 7pm Friday & Saturday, 11am – 5pm Sunday
Where: Del Mar Fairgrounds | 2260 Jimmy Durante Blvd, Del Mar, CA 92014
Cost: General admission is $8 per adult and kids are free with a paid adult entry | coupon on their website!
More information: www.calendarshows.com


Home Shows USA

The Home Shows USA is a three-day home improvement show that has been bringing buyers and sellers together in a neutral setting by producing a “shopping center” of home and commercial improvements.

When: Friday – Sunday, April 15 – 17 | 10am
Where: O’Brien Hall at Del Mar Fairgrounds | 2260 Jimmy Durante Blvd, Del Mar, CA 92014
Cost: Free
More information: hstrial-showsusa.homestead.com


24th Annual Oceanside Days of Art

At the Annual Oceanside Days of Art, around 100 artists will feature and sell a variety of unique artwork, including: paintings, fine jewelry, ceramics, photography and more. The festival will also include live performances, art activities, food choices and more! Oceanside Days of Art is held at the corner of Coast Hwy 101 and Pier View Way in downtown Oceanside.

When: Saturday & Sunday, April 16 & 17 | 10am – 5pm
Where: Coast Hwy 101 and Pier View Way in downtown Oceanside
Cost: Free
More information: www.ocaf.info/oceanside-days-of-art


San Diego Made in Bloom Spring Market

This shopping and culture event will feature handmade goods by more than 40 local makers, delicious food, craft cocktails, a local draft beer bar, and large-scale floral installations.

When: Saturday, April 16 | 11am – 7pm
Where: Barrio Arts District at Union – Barrio Logan | 2191 Main Street, San Diego, CA 92113
Cost: $3; kids under 12 are free
More information: sandiegomade.org/bloom-spring-market


30th Annual Avocado Festival

The Avocado Festival, now in its 30th year, features more than 450 vendors from across the region showcasing avocados. If you love avocados, this is the event to go to!

When: Sunday, April 17 | 9am – 5pm
Where: Downtown Fallbrook
Cost: Free
More information: www.fallbrookchamberofcommerce.org/events-v2/avocado-festival

Just Listed in San Diego: 17637 Pomerado Rd. 122, Rancho Bernardo

Fabulous Location!

17637 Pomerado Road #122, Rancho Bernardo, CA 92128

Offered between $250,000 – $265,876

exterior and garage | 17637 Pomerado Road 122, Rancho Bernardo, CA 92128 | real estate listing for sale by John A Silva, San Diego Realtor

Fabulous Location in Rancho Bernardo Resort Style 55+ Community Oaks North Village

Seller will entertain offers between $250,000 & $265,876. Fabulously located Rancho Bernardo Resort Style 55+ Community Oaks North Village end unit is within walking distance to the golf course and all amenities. In great condition, this single-story condo has full bath for each bedroom, which are located on opposite sides of the unit. Neat efficient kitchen and large 29ft length garage is closest to the entrance that has an elevator, making this unit handicap-friendly. Water, sewer, & trash are included in HOA monthly fee.

More information from the MLS here.

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

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