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Where Will We See You This Summer?

San Diego County — free summer concerts!

Join in the fun and listen to some great music for free this summer! San Diego County has 100s of free concerts this summer!

San Diego County free summer concerts

Click to view all of the free summer concerts in San Diego County!

This great flyer is from First American Title.

Money Monday: Mortgage hurdles

Many first-time buyers don’t realize that there’s many steps to getting a mortgage.

  1. Get pre-approved
  2. Have the home appraisal
  3. Keep your credit consistent
  4. Review the closing disclosure
  5. Go through underwriting

This infographic is from CAR.org.

San Diego County Events for September 14 – 16

So many festivals to choose from this weekend in San Diego County!

San Diego county events this weekendKaaboo

KAABOO was created by music lovers for music lovers. An adult escape, uniquely curated to appeal to all five of your senses, with world-class music, hilarious comedy, incredible cuisine, craft libations, inspiring contemporary art, and personal indulgences. A curated three-day sound voyage that combines rock-n-roll music and tastemaking events in a modern wonderland on the warm shores of the pacific.

When: Sept. 14 – 16
Where: Del Mar Racetrack + Fairgrounds | 2260 Jimmy Durante Blvd, Del Mar, CA 92014
More information: www.kaaboodelmar.com


Santee Bluegrass Festival Fundraiser

“Beer, Wine, Dine & Let the Bluegrass Shine”

Please join the City of Santee and the Santee Park and Recreation Committee for the 9th Annual Santee Bluegrass Festival, a fund-raising event that supports people, parks and programs! This is a sampling event! There will not be full meal portions or full glasses of drinks.

No one under 21 will be admitted, including infants.

When: Saturday, Sept. 15 | 5:30 – 9:30
Where: Town Center Community Park East | 550 Park Center Drive, Santee CA
Cost: Free
More information: cityofsanteeca.gov/government/departments/community-services/city-parks/town-center-community-park


America’s Finest BBQ State Championship and San Diego Bayfair

America’s Finest BBQ State Championship is partnering with San Diego Bayfair this year to provide an experience unlike any other in the world. The event will take place at Crown Point in beautiful San Diego California. Where else can you compete in a KCBSsanctioned BBQ Competition, sample world class BBQ and enjoy the Beer Garden all while watching boat races and listening to entertainment right on San Diego’s Mission Bay?

When: Sept. 14 – 16
Where: In and around Mission Bay
Cost: Crown Point BBQ Festival on Saturday for BBQ access $10, & the parking for Crown Point $10 (General Parking), more for sampling
More information: www.americasfinestbbq.com


Taste of South Park

 Hallmarked by an eclectic band of restaurants, bars and pubs, coffee houses and family dining spots, its often difficult to chart a course for an afternoon adventure in South Park- but now you can satisfy all your foodie cravings in one day! The 2018 Taste of South Park (ToSP) will take place on Saturday, September 15th, from 12pm to 4pm, located in the cozy, creative hamlet of South Park.

When: Sept. 15 | 12 – 4pm
Where: South Park at Fern St.
Cost: $35 – $40
More information: www.southparksd.com/home/events


Rock the Bay Triathlon

Register for the Inaugural Rock the Bay Triathlon! Taking place at the beautiful San Diego Bay Front. Experience the beauty and excitement of San Diego’s Bay Front.  With it’s unique boardwalk swim entry, bike course traversing Harbor Drive and ending with a run along the Emarcadero Marina Park behind Seaport Village.

This Rock Themed Triathlon Will Rock You from Start to finish! The 65′ Adventrous Yacht will be anchored out on the swim course to provide swimmers with Classic Rock, runners will enjoy the awesome tunes of Mystique near the Midway aircraft carrier, and Finishers will be Rocked into the Finishline!

When: Sept. 16
Where: Race day: Bayfront Park | 1 Park Blvd, San Diego
More information: www.rockthebaytri.com


Coastal Cleanup Day

Join I Love a Clean San Diego at over 100 sites throughout San Diego County for the 34th Annual Coastal Cleanup Day — picking up trash and debris together on Sept. 15 from 9 a.m. to noon at various sites in the county.

When: Saturday, Sept. 15 | 9am – 12pm
Where: Register and see the list of locations
More information: cleanupday.org/cleanupSites


Oceanside Harbor Days

Oceanside Harbor Days at the Oceanside Harbor will feature arts and craft exhibits, great food and fun activities for the entire family. Two days, packed with activities, entertainment, food, shopping.

When: Saturday & Sunday, Sept. 15 & 16 | 9am – 5pm
Where: Oceanside Beach, N Pacific Street, Oceanside, CA 92054
Cost: Free
More information: visitoceanside.org/harbor-beach


If these aren’t enough events, check out my list of the top 20 must-do activities to do in San Diego here!

Baby Boomers Just May Cause the Next Housing Crisis?

Will the next housing crisis be because of baby boomers?

In today’s housing environment, there are surprising factors that baby boomers, born between 1946-1964, will be three times more likely to be carrying mortgage debt as of 2015 at age 60 years or older compared to 1980 according to U.S Census Bureau Data stats.

As of 2016, there were 74 million baby boomers alive and by 2030, when all baby boomers will be between 66-84 years old, there will be 60 million predicted to be alive. So with interest rates changing from 3.41% in 2016 to 4.62% recently for 30-year fixed-rate mortgages — and affordable housing being eliminated due to higher pricing (and that the new Millennial Generation is beginning to buy) — the next generation of seniors will have to be more creative with housing. One creative approach to housing is by living in helper units on their children’s properties in the future, such as granny flats or casitas — or buying a smaller home in another area. Downsizing or staying in their current home becomes the daunting task and question.

Maximizing your current home’s value by preparing is essential; do so with your building contractor, financial planner, accountant and Real Estate Agent.   I’m here to help recommend any of these people and more or get you a free analysis of your home’s value.  You can reach me at JohnASilvaRE@gmail.com or 619-890-3648.

Money Monday: Saving for retirement

“Far too many people make bad choices when it comes to retirement. It’s the equivalent of choosing candy bars over the solid meal…

retirement

“How can we make better decisions for retirement planning? One principle is the knowledge that increasing saving over time will build a bigger nest egg. Here are three key moves that can lead to a better outcome”:

Read Forbes’ article here: www.forbes.com/sites/johnwasik/2018/09/10/how-much-do-you-need-to-retire-3-ways-to-get-it-right/#777f994743d4

San Diego County Events for Sept. 7 – 9

There’s many festivals and other things to do in San Diego County this weekend. View them here!

San Diego county events this weekendCardiff Greek Festival

Be Greek for the day and enjoy authentic food, music, live entertainment, dancing, children’s activities and more the Annual Cardiff Greek Festival.

When: Saturday, 10am – 10pm | Sunday, 11am – 9pm
Where: Sts. Constantine and Helen Greek Orthodox Church | 3459 Manchester Ave, Cardiff by-the-Sea, CA
Cost: $3; under 12 free
More information: www.cardiffgreekfestival.com


28th Annual Sycuan Pow-Wow

The Sycuan Pow-Wow is a time for people to get together, sing, dance, renew old friendships and make new ones.

When: Friday – Sunday, Sept. 7 – 9
Where: 5577 Dehesa Road, El Cajon, CA 92019
Cost: Free
More information: www.facebook.com/Sycuans-Annual-Pow-Wow-358010080969157


5th Annual Carlsbad Brewfest

Carlsbad Brewfest celebrates craft beer with tastings from more than 34+ San Diego & national breweries, music, entertainment, games & food vendors.

When: Saturday, Sept. 8 | 12 – 4:30pm
Where: Holiday Park | 3400 Pio Pico Dr, Carlsbad, CA 92008
Cost: $20 – $55
More information: www.carlsbadbrewfest.org


San Diego Blues Festival

Billy Gibbons & Friends will headline this year’s San Diego Blues Festival at the Embarcadero. Tickets start at $30 and the proceeds benefit the San Diego Food Bank, which helps feed and provide additional support to needy families.

When: Saturday, Sept. 8 | 12 – 8pm
Where: Embarcadero Marina Park North | 400 Kettner Blvd, San Diego, CA
Cost: $30
More information: www.sdbluesfest.com


El Cajon Dinner and a Concert

One of El Cajon’s premier events, our Dinner & a Concert Series is back again this year in the center of Downtown El Cajon. Dinner & A Concert is a weekly concert and dance hosted by Downtown El Cajon Business Partners, performed on the Prescott Promenade, which is surrounded by a variety of restaurants. Thousands of people from all over San Diego County arrive to see and listen to many of our local bands and musicians. Join us Friday evenings from 6:00 to 8:00 PM for a great time and great food from our downtown restaurants.

When: Friday evenings  | 6 – 8pm
Where: Prescott Promenade | East Main St., El Cajon, CA 92020
Cost: Free
More information: downtownelcajon.com/dinner-and-a-concert


Summer Movies in the Park

Across the county, cities are taking part in the movie screenings at local outdoor parks. Almost every day of the week this summer, San Diegans can find a free outdoor movie screening thanks to a county-wide initiative. This weekend, you have a few movies to choose from — check the movie calendar below!

When: Friday and Saturday | movies in the park ongoing this entire summer
Where: Various parks in San Diego County
Cost: Free
More information: www.summermoviesinthepark.com/moviecalendar


Sculpture in the Garden

The sprawling botanical garden in Encinitas (230 Quail Gardens Drive) is featuring the sculpture work of 30 artists through the month of April. See the artwork, ranging from whimsical to abstract, set against a backdrop of dragon trees, rare fruit gardens, bamboo groves and ponds.

When: now – April
Where: San Diego Botanic Garden | 230 Quail Gardens Dr, Encinitas, CA
Cost: $14 – adults; $8 – children
More information: www.sdbgarden.org/sculpture


If these aren’t enough events, check out my list of the top 20 must-do activities to do in San Diego here!

Money Monday: Preparing for a recession

4 things you can do to be recession-ready

real estate market and recession

Thankfully, there are things that all of us can do to prepare for our country’s next recession, regardless of when it hits. Here are a few moves that’ll help you get ready.

1. Build an emergency fund

2. Diversify your investments

3. Get a side job

4. Lower your fixed living costs

And for more details, read Money CNN’s article on the topic: “4 things you can do to be recession-ready.”

San Diego County Events for August 31 – Sept. 2

Enjoy this weekend in San Diego County with one of these great events!

San Diego county events this weekend

U.S. Sand Sculpting Challenge And Dimensional Art Expo

At the U.S. San Sculpting Challenge and Dimensional Art Expo, world master sand sculptors from the Netherlands, Italy and Canada, from exotic places like Latvia, Russia and Tasmania come to challenge the best in the U.S. with astounding dimensional art. There’s live entertainment (tribute bands, singers and more), a sand box and rides for kids, a dozen gourmet food trucks, a fantastic view of the bay and all the great stuff that you always find on the Embarcadero.

When: Friday – Monday, Aug 31 – Sep 3, 2018
Where: Port Pavilion on Broadway Pier | 1000 N Harbor Dr, San Diego, CA 92101
Cost: Free – $30
More information: ussandsculpting.com


Julian Grape Stomp Festa

On Saturday the 22nd anniversary of the Julian Grape Stomp Festa occurs. With ten local wineries offering sips to sample, a wide variety of food and shopping opportunities, great Italian music provided by Roman Holiday, Bocce Ball Court, a little extemporaneous dancing here and there, this will be a party to remember!

When: Saturday, Sept. 1 | 11am – 6pm
Where: Menghini Winery | 1150 Julian Orchards Dr, Julian, CA
Cost: Free – $15
More information: visitjulian.com/to-see-do/special-events/grape-stomp


48th Annual Barona Powwow

Join the Barona Band of Mission Indians for a weekend of contest dancing in all categories, camping, drums and cultural immersion.

When: Friday – Sunday, Aug. 31 – Sept. 2 | 1 – 11pm
Where: Barona Sports Park | 1095 Barona Rd, Lakeside, CA 92040
Cost: Free
More information: www.barona-nsn.gov/2017powwow


El Cajon Dinner and a Concert

One of El Cajon’s premier events, our Dinner & a Concert Series is back again this year in the center of Downtown El Cajon. Dinner & A Concert is a weekly concert and dance hosted by Downtown El Cajon Business Partners, performed on the Prescott Promenade, which is surrounded by a variety of restaurants. Thousands of people from all over San Diego County arrive to see and listen to many of our local bands and musicians. Join us Friday evenings from 6:00 to 8:00 PM for a great time and great food from our downtown restaurants.

When: Friday evenings  | 6 – 8pm
Where: Prescott Promenade | East Main St., El Cajon, CA 92020
Cost: Free
More information: downtownelcajon.com/dinner-and-a-concert


Summer Movies in the Park

Across the county, cities are taking part in the movie screenings at local outdoor parks. Almost every day of the week this summer, San Diegans can find a free outdoor movie screening thanks to a county-wide initiative. This weekend, you have a few movies to choose from — check the movie calendar below!

When: Friday and Saturday | movies in the park ongoing this entire summer
Where: Various parks in San Diego County
Cost: Free
More information: www.summermoviesinthepark.com/moviecalendar


If these aren’t enough events, check out my list of the top 20 must-do activities to do in San Diego here!

Money Monday: Rejected home purchase offers

If you’ve been rejected after making a purchase offer on a home, you may have made the wrong financial offer.

There’s a few common reasons why a seller could have rejected your offer; here’s some monetary reasons:

  1. You offered too much. 
  2. You requested too much additional money toward closing. 
  3. Your financial picture raises questions. 

Rejected purchase offers in real estate

This infographic is from CAR.org.