Author Archives: John A Silva

About John A Silva

As your professional real estate adviser, I focus on client satisfaction. My business is about service and I am not happy until you are happy. My years in the business have provided me the experience to assist you with nearly every real estate need. Whether it's finding you a home, finding the best loan, or helping you getting the most out of selling your home I am here to guide you. If there is anything you need, please let me know via email at johnasilva@sbcglobal.net.

Money Monday: 5 Quick Ways to Save Money

Do you want to have more money?

“Silly question, right? Who doesn’t want some extra cash? The good news is, there are simple things you can do in just 20 minutes to avoid wasting your hard-earned dollars. Jump right in and get started to take advantage of the savings.”

save money

Photo by 401kcalculator.org

1. Ask your credit card company for a reduced interest rate or an annual-fee waiver

2. Cancel a service that isn’t providing value

3. Raise your insurance deductible (if you can cover it)

4. Optimize your home’s energy efficiency

5. Optimize your car

Read all about these ways to save money on Money.CNN.com’s article here: “5 ways to save money in 20 minutes or less.”

San Diego County Events for May 26 – 29

This Memorial Day weekend, there’s much to choose from; use these activities and events to help you remember those who lost their lives in service to our county.

San Diego county events this weekendSantee Street Fair and Craft Beer Festival

Celebrating its ninth year, the Santee Street Fair and Craft Beer Festival will host its fourth annual beer festival featuring local breweries. Military will be honored this year with the Heroes Stage. New to this year’s event will be a special program to recognize children with parents currently serving in the armed forces. Festival highlights include a craft beer festival, live music and entertainment, more than 300 food and craft vendor booths, carnival rides–including a rock climbing wall–and games for the family.

When: Saturday, May 27 | 10am
Where: Town Center Parkway, Santee, CA 92071
Cost: Free | Tickets available for the craft beer festival
More information: santeestreetfair.com


Oasis Camel Dairy’s Open Farm and Show

Spend your Saturday socializing with camels at the well-known Oasis Camel Dairy’s open farm and show. Participants will get a chance to pet and ride the friendly animals. Later in the day, watch a birds show. Tickets start at $7.

When: Saturday, May 27 | 1pm
Where: Oasis Camel Dairy in Ramona
Cost: $7
More information: www.cameldairy.com


Legacy Week 2017 at the USS Midway Museum

The USS Midway Museum is the heart and soul of Memorial Day celebration in San Diego. Activities will honor and remember our heroes and celebrate our military heritage.

Line up of events include: Wreathe Memorial Ceremony, Lifehouse benefit concert, blood drive, kids discovery zone and more!

When: Saturday – Monday, May 27 – 29
Where: USS Midway Museum | 910 N Harbor Dr, San Diego, CA 92101
Cost: Free
More information: www.midway.org/legacy-week-2017


Birding Basics

Ever gone hiking and wondered, what is that bird? Wonder no more once you learn the basics of birding with this community class, aimed at teaching you how to identify birds at a glance. Experienced birder and trail guide Winona Sollock will lead the class, giving everyone tips and tricks.

When: Saturday, May 27 | 1pm
Where: Classroom A at the Visitor’s Center – Mission Trails Regional Park Visitor’s Center | 1 Father Junipero Serra Trail, San Diego, CA 92119
Cost: Free
More information: www.mtrp.org/events


Vista Strawberry Festival

Live entertainment on multiple stages, bands & local craft brews all day long in the beer garden. Carnival rides & 300+ vendors.

When: Sunday, May 28 | 8am – 6pm
Where: 127 Main Street, Vista, CA 92084
Cost: Free
More information: www.vistastrawberryfest.com


El Cajon Dinner & A Concert Series

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


14th Annual Lebanese Food Festival

Come explore and experience the food, the culture and the heritage of Lebanon. Guests will feast on traditional healthy lebanese dishes like saj zaatar & cheese, tabouleh, hummus, stuffed grape leaves, falafel, beef shawarma, chicken kabob, kibbeh and gourmet sweets.

Along with the exquisite Lebanese food will be evening live music & dancing, folkloric performances throughout the day, beer & wine garden, carnival rides, cooking demonstrations and a raffle drawing for a $10,000 cash prize.

When: Saturday & Sunday, May 27 & 28 | 11am
Where: St. Ephrem Maronite Catholic Church | 750 Medford St., El Cajon, CA 92020
Cost: Free
More information: www.facebook.com/sdlebanesefestival


La Vista Memorial Park and Mortuary Memorial Day Celebration

La Vista Memorial Park and Mortuary, one of the San Diego’s oldest and most historic cemeteries, will host its annual Memorial Day ceremonies Monday, May 29th, at 1:00 PM at its picturesque hilltop setting.

When: Monday, May 29 | 1pm
Where: La Vista Memorial Park and Mortuary | 3191 Orange St., National City, CA
Cost: Free
More information: lavistamemorialpark.com/event/memorial-day-2017-05-30/2017-05-29

The Size Home Owners Want

Current statistics of today’s homeowners

Current homeowners desire a different size home from those of different generations or various incomes.

Goldilocks mindset - real estate infographic CALIFORNIA ASSOCIATION OF REALTORS

This infographic is from the CALIFORNIA ASSOCIATION OF REALTORS.

Money Monday: Financial realities of owning a home

Let’s consider some of the financial realities about owning a home.

homeIn an opinion piece in the Fresno Bee newspaper, the writer made the case for why Congress should keep a tax incentive to encourage Americans to be homeowners. Regardless of your opinion on the matter, the author’s points on the financial positives of homeownership were beneficial and worth a read.

  • “Owning a home is one of the best ways to build long-term wealth, providing both equity accumulation and tax benefits over time. In 2013, the median net worth of homeowner families was $195,400, while the median net worth of renters was $5,400, according to the Federal Reserve.”
  • “Homeownership strengthens communities, encourages higher civic participation, boosts children’s educational performance, lowers crime rates, and improves health-care outcomes. Moreover, homeowners bring more stability to neighborhoods because they tend to move less often.”
  • “Homeownership helps provide predictability. Individuals can enjoy steady and consistent housing costs thanks to the tax incentive that allows them to own a home. That’s because a fixed-rate mortgage payment might not change for 15 to 39 years, while rents typically increase 2 to 3 percent a year.”
  • Read more of this article here: “Want to create wealth? This is one way to do it.”

San Diego County Events for May 19 – 21

What a beautiful weekend coming up! Enjoy the lovely weather and San Diego County area with these great family activities and fun 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!

San Diego county events this weekendSalsa Under the Stars

Dance the night away with Manny Cepeda and his orchestra in the Headquarters at Seaport’s beautiful out door courtyard from 6 pm – 9 pm. No partner or experience necessary for this free event.

When: Friday, May 19 | 6 – 9pm
Where: The Headquarters at Seaport | 789 West Harbor Dr., San Diego
Cost: Free
More information: theheadquarters.com/events-calendar/salsa-under-stars-16


21st Annual Festival Of The Arts In North Park

21st Annual Festival of the Arts in North Park is a free art and live music festival that also highlights the local craft beer and food community. It will be a fun-filled day of entertainment and fun.

When: Saturday, May 20 | 11am – 10pm
Where: North Park San Diego | San Diego, CA
Cost: Free
More information: northparkmainstreet.com/events/festival-of-arts


2017 How-to Festival

Come learn “how-to” do something new and interesting in quick workshops taught by volunteers from your neighborhood. This interactive community educational event has something for everyone. All ages welcome.

When: Saturday, May 20 | 11am – 3pm
Where: San Diego Public Library, San Diego, CA — various locations
Cost: Free
More information: sdpl.bwcs-hosting.com/cal/event/showEventMore.rdo


Fiesta Del Sol 2017

The 38th Annual Fiesta del Sol will be on May 20- 21, 2017 from 9 a.m.-9 p.m. each day. The Solana Beach Chamber of Commerce has been hosting this FREE two day arts & music festival for 37 years as a kick off to Summer in Solana Beach! The event takes place at Fletcher Cove.

The Belly Up is lining up a great list of musicians to perform over the two day event, which includes local community talent. There will also be a large, fun and exciting Children’s Area set up for families to enjoy rides, games and a climbing wall.

When: Saturday & Sunday, May 20 & 21 | 9am – 9pm
Where: Fletcher Cove Beach Park | 111 S Sierra Ave., Solana Beach, CA 92075
Cost: Free
More information: fiestadelsol.net


Tierrafest Parade and Craft Fair

Come and visit our all-day Craft Fair (9am to 3pm), offering lots of handmade items by local artisans.  The day starts with a Patriot’s Day Parade at 10am, with schools, clubs, bands, businesses and local dignitaries marching or riding, and the day ends with a barbeque dinner (4-8pm) at the Tierrasanta Rec Center together with a fireworks display at dusk.  The Craft Fair and Parade are  free, and children are welcome.  Tickets for the dinner are available at the Craft Fair.

When: Craft Fair: Saturday, May 20, 9am – 3pm | Parade: 10am | BBQ dinner: 4 – 8pm
Where: 10633 Tierrasanta Blvd, San Diego, CA 92124
Cost: Free entrance to the craft fair and parade; tickets available at the craft fair for the closing bbq dinner and fireworks display
More information: Info on the San Diego Union Tribune


24th Southern California Band Festival

The 24th Southern California Band Festival is being held May 20 and 21, 2017 at Old Poway Park. The festival presents 17 adult concert bands from Southern California and Arizona with a new band every hour. The festivities conclude with the Third Marine Aircraft Wing Band starting at 6:15 Sunday. Food and beverages are available. Gift baskets will be auctioned off.

When: Saturday & Sunday, May 20 & 21
Where: Old Poway Park Bandstand | 14134 Midland Road, Poway, CA 92064
Cost: Free
More information: More info


Grand Ave Festival

The Grand Ave Festival, Escondido, takes place in our historic downtown on Grand Ave from Center City to Juniper. Shop from hundreds of vendors for unique hand-crafted gifts and imports, enjoy international cuisine and local entertainment from high school performing arts and future stars.

When: Sunday, May 21 | 9am – 5pm
Where: Downtown Escondido | 100 Grand ave, Escondido, CA 92026
Cost: Free
More information: escondidochamber.org/grand-avenue-festival

Money Monday: Credit card mistakes to avoid

“Credit cards can be a dangerous thing when abused, but when used correctly, they actually offer a number advantages that cash simply can’t match. To make the most of your credit card, be sure to steer clear of these major blunders.”

(Money.CNN.com. “10 huge credit card mistakes.” Maurie Backman. 12 May 2017. http://money.cnn.com/2017/05/12/pf/credit-card-mistakes/index.html?iid=SF_LN)

  1. Paying your bills late
  2. Only making your minimum payments
  3. Making out your credit card limits
  4. Read about 7 other credit card mistakes to avoid here

San Diego County Events for May 12 – 14

For Mother’s Day weekend here in San Diego County, celebrate Mom with one of these fantastic family activities or great events!

San Diego county events this weekend

The Flower Fields at Carlsbad Ranch

It’s the last weekend for the famous Flower Fields in Carlsbad Ranch — and a perfect place to take Mom for Mother’s Day! The fields are open daily, from 9 a.m. to 6 p.m., through May 14. Patrons will enjoy nearly 50 acres of colorful displays of Giant Tecolote Ranunculus flowers, which are in bloom for six to eight weeks. The famous fields also include roses, orchids, sweet pea blossoms, petunias and poinsettias.

When: Now – May 14 | 9am – 6pm daily
Where: Carlsbad Ranch | 5704 Paseo Del Norte, Carlsbad, CA 92008
Cost: $14 | details here
More information: www.theflowerfields.com


Quilt, Craft and Sewing Festival

If Mom’s into crafting, take her to the Quilt, Craft and Sewing Festival — this three-day supply show at Bing Crosby Hall at the Del Mar Fairgrounds caters to quilters, sewers, stitchers and crafters looking for inspiration. The expo will feature hundreds of booths and vendors, plus free classes and make-and-take workshops. Admission is $10 for all three days; parking is $13.

When: Friday – Sunday, May 12 – 14 | 10am – 5pm
Where: Del Mar Fairgrounds | 2260 Jimmy Durante Blvd, Del Mar, CA 92014
Cost: $10 for all three days; parking is $13
More information: quiltcraftsew.com/del-mar


Queen Bee Market

More than 100 vendors will line Wyland Hall at the Del Mar Fairgrounds both Friday (4 p.m. to 9 p.m.) and Saturday (9 a.m. to 4 p.m.) for the Queen Bee Market, selling all kinds of good things – from home décor and accessories to clothing, vintage finds, paper art and more.

When: Friday, May 12, 4 – 9pm | Saturday, May 13, 9am – 4pm
Where: Del Mar Fairgrounds – Wyland Hall | 2260 Jimmy Durante Blvd, Del Mar, CA 92014
Cost: $3; military and kids 12 and under are free
More information: www.thequeenbeemarket.com


Hops and Shop Spring Market

Celebrate Mother’s Day weekend at this Miramar brewery’s Spring Market. Shop handmade gifts, participate in workshops, try some tasty sips or enjoy patio games at this festival for the whole family, including dogs.

When: Saturday, May 13 | 10am
Where: 32 North Brewing Company | 8655 Production Ave, San Diego, CA 92121
Cost: Free
More information: www.facebook.com/events/1230036570450235


40th Annual Spring Arts and Crafts Fair

Enjoy the weekend with the 40th Annual Spring Arts and Crafts Fair, a popular tradition in San Diego! A truly ALL-artisan fair, where all the works are hand-crafted and sold by the artists and crafters themselves.

Over 125 hand-picked vendors from across Southern California, with everything from handmade jewelry, soaps, paintings and sculpture, local honey, clothing, pottery, items for the home and garden and much more!

Enjoy live music, a food court, free admission, parking and shuttle.

When: Saturday & Sunday, May 13 & 14 | 10am – 5pm
Where: Bernardo Winery | 13330 Paseo Del Verano Norte, San Diego
Cost: Free
More information: 40th Annual Spring Arts and Crafts Fair

Money Monday: Increase your credit score

Quick ways to up your credit score.

“Most people don’t put much thought into their credit scores until the time comes to apply for a loan. If you expect to need financing in the next few months and aren’t convinced your credit score is high enough to get you approved, you’ll need to act quickly to improve your chances. Thankfully, there are several things you can do to boost your credit score in record time.” (“4 tips to increase your credit score fast.” Maurie Backman. 8 May 2017. http://money.cnn.com/2017/05/08/pf/credit-score-tips/index.html?iid=Lead)

One way to increase your credit score? Ask for an increase in your credit limit. But read CNN’s article for more tips! 

Read all of CNN’s article on increasing your credit score here: “4 tips to increase your credit score fast.”