Money Monday: Don’t make these homebuying mistakes

When venturing into shopping and buying a home, avoid some common mistakes:

home buyer regrets

  1. Interviewing only one lender
  2. Not getting pre-approved right away
  3. Maxing out your mortgage limit
  4. Letting your dreams and emotions dictate which house you purchase
  5. Waiving contingencies without understanding just what that means

More tips for homebuyers are available in CNN’s article here: “7 first-time homebuyer mistakes to avoid”.

San Diego County Events for June 30 – July 2

It’s Fourth of July weekend! There’s lots to do this summer weekend down here in San Diego County; check them out below!

San Diego county events this weekend


12th Annual Summer Chamber Music Festival

Festival from June 24 to July 8, 2017 brings the sounds of Beethoven, Mozart and other composers to the beautiful USD campus. Directed by Dr. Angela Yeung, the festival provides a unique opportunity for musicians of all ages and affordable concerts for music lovers. Festival includes lunchtime, afternoon and evening concerts. View the full schedule.

When: Friday, Jun 30, 9:15am | Saturday, Jul 1, 2pm | Monday, Jul 3, 9:15am | other dates
Where: University of San Diego | 5998 Alcalá Park, San Diego
Cost: Free
More information: www.sandiego.edu


Second Annual Imperial Beach Red White & Blue Celebration

Start your 4th of July weekend celebration with us. Enjoy a day at the beach, at one of the perfect location in the City the heart of IB Pier Plaza. Fun activities for all the family,  live music, win great raffle prizes and more!

When: Saturday, July 1 | 12pm
Where: Portwood Pier Plaza | 940 Seacoast Dr , Imperial Beach, Ca 91932
Cost: Free
More information: www.facebook.com/events/1833381823653364


Star-Spangled Pops

The San Diego Symphony pays tribute to America with this three-day “Star-Spangled Pops” concert at Embarcadero Marina Park South. The Symphony will perform patriotic tunes in a show, ending with a salute to the armed forces and fireworks.

When: Friday – Sunday, June 30 – July 2 | 7:30pm
Where: Embarcadero Marina Park South | 200 Marina Park Way, San Diego, CA 92101
Cost: Lawn tickets start at $24
More information: sandiegosymphony.org


San Diego County Fair

The yearly county fair is here! This year’s theme is “Where the West is Fun”; the fair runs through Tuesday, July 4, 2017.

When: Friday, June 2, 4 – 11pm (other Fridays 11am – 11pm) | Saturdays, 10am – 11pm | Sundays, 10am – 10pm | Wednesdays & Thursdays, 11am – 10pm | All date and time details online
Where: The Del Mar Fairgrounds | 2260 Jimmy Durante Blvd, Del Mar, CA 92014
Cost: Adults – $18, Seniors and kids under 13 – $11, Kids 5 and younger – free | Season pass – $26
More information: sdfair.com


Summer Movies in the Park

Summer Movies in the Park is a series of free outdoor movie screenings in community parks and recreation centers throughout San Diego.

Movies begin at dusk, which is about 15 minutes after sunset. People are encouraged to come early for picnics and activities.

This (June 30 & July 1) Friday & Saturday’s free movies (find locations via the schedule link) include:

  • Sing
  • Trolls
  • Captain America: Civil War
  • The Sandlot
  • The LEGO Batman Movie
  • Fantastic Beasts and Where to Find Them

When: Ongoing from now until October 28, 2017
Where: Parks and recreation centers throughout San Diego County
Cost: Free
More information: Summer Movies in the Park; schedule here


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: Americans are saving a little more

A bit of good news: more Americans are saving.

“The percentage of people who have adequate savings to cover six months of expenses — a six-month-stash — has jumped to 31%, according to a new study from Bankrate.com. That’s up from 28% last year and 22% in 2015.

“Not everyone is there yet: a quarter of Americans still have no savings at all. But that is down from 28% last year and the report shows positive signs that saving habits are improving” (Bahney, Anna. “Americans are saving (a little) more.” money.cnn.com/2017/06/20/pf/emergency-fund).

Apparently, it’s the younger people and the middle-class that are doing well at saving; read more of this article at money.cnn.com.

San Diego County Events for June 23 – 25

Celebrate summer with some wonderful activities this weekend in San Diego County. Concerts, family activities, festivals, cultural events and so much more is going on this Friday – Sunday!

San Diego county events this weekend

Mass Creativity Day 2017

Make, share and create art during Mass Creativity Day, a free outdoor arts festival at The New Children’s Museum. Bring the whole family out for a day full of art-making activities, free Museum admission, music, food and more!

When: Saturday, June 24 | 10am
Where: The New Children’s Museum | 200 West Island Ave., San Diego
Cost: Free
More information: thinkplaycreate.org/learn/signature-events/mass-creativity


2017 Ocean Beach Street Fair and Chili Cook-Off Festival

Join more than 70,000 visitors for the 38th annual oceanfront chili cook-off in Ocean Beach. Live stages of continuous live music and entertainment, the community mural project, Artists Alley, carnival rides and games, food and vendor booths, a beachside beer garden and more.

When: Saturday, June 24 | 10am – 8pm
Where: 4800 to 5000 block of Newport Avenue in Ocean Beach, CA
Cost: Free
More information: oceanbeachsandiego.com/attractions/annual-events/ob-street-fair-chili-cook-off


44th Annual San Diego Scottish Highland Games

Scottish culture will fill the park during the two day festival, which will feature a variety of activities and entertainment for guests of all ages: Sheepdog trials, Highland dancing, Scottish vendors, cuisine and beverages, bagpipe and drumming competitions, clan heritage tents, and hands-on children’s activities.

When: Saturday & Sunday, June 24 & 25 | 9am – 5pm
Where: Brengle Terrace Park | 1200 Vale Terrace Drive, Vista, CA
Cost: $15 for adults, $10 for seniors/active military, and $5 for children ages 6-16. Children under 5 are free.
More information: sdhighlandgames.org


12th Annual Switchfoot Bro-Am

BRO-AM Beach Fest is an annual celebration that gives back to the San Diego Community. Surf contests, free concert, numerous vendor booths… all to celebrate community and to raise awareness and funds for local youth organizations.

SCHEDULE:

  • 7AM – 3PM: Surf Events
  • 12PM-5PM: Live Music
  • 12PM: 91X Battle For The BRO-AM Winner – Sights and Sages
  • 1PM: Jamtown
  • 2:20PM: Lifehouse, Acoustic Set
  • 3:25PM: SWITCHFOOT

When: Saturday, June 24
Where: Moonlight Beach | 400 B St., Encinitas, CA 92024
Cost: Free – $125
More information: broam.org


32nd Philippine Cultural Arts Festival

The 32nd Philippine Cultural Arts Festival will take place in Balboa Park this weekend. Learn about Philippine culture through dance and music. Taste Filipino delicacies and support local vendors.

When: Saturday & Sunday, June 24 & 25 | 11am
Where: Balboa Park, (Visitors Center) | 1549 El Prado , San Diego — Corner of Park Blvd. & Presidents Way, Balboa Park, San Diego, CA
Cost: Free
More information: www.samahanphilippinedance.com/festival


San Diego County Fair

The yearly county fair is here! This year’s theme is “Where the West is Fun”; the fair runs through Tuesday, July 4, 2017.

When: Friday, June 2, 4 – 11pm (other Fridays 11am – 11pm) | Saturdays, 10am – 11pm | Sundays, 10am – 10pm | Wednesdays & Thursdays, 11am – 10pm | All date and time details online
Where: The Del Mar Fairgrounds | 2260 Jimmy Durante Blvd, Del Mar, CA 92014
Cost: Adults – $18, Seniors and kids under 13 – $11, Kids 5 and younger – free | Season pass – $26
More information: sdfair.com


Sundays at Six Summer Concert Series

This Sunday, Fanny and the Atta Boys will be performing swing, bluegrass and jazz songs as part of La Mesa’s Sundays at Six Summer Concert Series.

When: Sunday, June 23| 6 – 7pm — plus more Sundays during the summer
Where: Harry Griffen Park | 9550 Milden St, La Mesa, CA
Cost: Free
More information: www.cityoflamesa.com/409/Events-Activities


Summer Movies in the Park

Summer Movies in the Park is a series of free outdoor movie screenings in community parks and recreation centers throughout San Diego.

Movies begin at dusk, which is about 15 minutes after sunset. People are encouraged to come early for picnics and activities.

This (June 23 & 24) Friday & Saturday’s free movies (find locations via the schedule link) include:

  • The Secret Life of Pets
  • Free Willy
  • Despicable Me 2

When: Ongoing from now until October 28, 2017
Where: Parks and recreation centers throughout San Diego County
Cost: Free
More information: Summer Movies in the Park; schedule here


Taste of Adams Avenue

Nearly 50 restaurants, breweries, wine bars, coffee houses and other eateries in University Heights, Normal Heights, and Kensington will showcase their best meals, sips, and snacks. Take a stroll along Adams Avenue by foot, bike or trolley and get a taste of the neighborhood. Tickets start at $35.

When: Sunday, June 25 | 11am – 3pm
Where: Will Call: 3441, Adams Avenue, San Diego
Cost: $35 advanced, $40 day of (cash only)
More information: www.adamsavenuebusiness.com/event-info/taste-of-adams-avenue


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

May 2017 – Market at a Glance

May 2017 real estate statistics

Thanks to the CALIFORNIA ASSOCIATION OF REALTORS, you can view a succinct pdf on the market statistics for last month.

In short, it only takes a listing an average of 22.4 days on the market before it’s in escrow, at the median price of $550,200. View more information below:

Click to view the pdf from CAR.org

Money Monday: Americans are paying more than they can afford for housing

Rising housing costs are putting a major squeeze on Americans.

“Nearly 39 million households can’t afford their housing, according to the annual State of the Nation’s Housing Report from Harvard’s Joint Center for Housing Studies.

“Experts generally advise budgeting about 30% of monthly income for rent or mortgage costs.

“But millions of Americans are far exceeding that guideline.

“One-third of households in 2015 were “cost burdened,” meaning they spend 30% or more of their incomes to cover housing costs.”

Read more of Money.CNN.com’s article here: “39 million households are paying more for housing than they can afford.”

 

San Diego County Events for June 16 – 18

This Father’s Day, celebrate Dad by spending time together here in San Diego County! Perhaps one of the events below will spark his interest:

San Diego county events this weekend

San Diego County Fair

The yearly county fair is here! This year’s theme is “Where the West is Fun”; the fair runs through Tuesday, July 4, 2017.

When: Friday, June 2, 4 – 11pm (other Fridays 11am – 11pm) | Saturdays, 10am – 11pm | Sundays, 10am – 10pm | Wednesdays & Thursdays, 11am – 10pm | All date and time details online
Where: The Del Mar Fairgrounds | 2260 Jimmy Durante Blvd, Del Mar, CA 92014
Cost: Adults – $18, Seniors and kids under 13 – $11, Kids 5 and younger – free | Season pass – $26
More information: sdfair.com


Summer Movies in the Park

Summer Movies in the Park is a series of free outdoor movie screenings in community parks and recreation centers throughout San Diego.

Movies begin at dusk, which is about 15 minutes after sunset. People are encouraged to come early for picnics and activities.

This (June 16 & 17) Friday & Saturday’s free movies (find locations via the schedule link) include:

  • The Secret Life of Pets
  • The LEGO Batman Movie
  • Grease
  • Fantastic Beasts and Where to Find Them
  • Rouge One
  • The Jungle Book

When: Ongoing from now until October 28, 2017
Where: Parks and recreation centers throughout San Diego County
Cost: Free
More information: Summer Movies in the Park; schedule here


Sundays at Six Summer Concert Series

This Sunday, Ginger Cowgirl will be performing country songs as part of La Mesa’s Sundays at Six Summer Concert Series.

When: Sunday, June 16 | 6 – 7pm — plus more Sundays during the summer
Where: Harry Griffen Park | 9550 Milden St, La Mesa, CA
Cost: Free
More information: www.cityoflamesa.com/409/Events-Activities


San Diego International Boat Show

If Dad’s yearning for a yacht, perhaps the International Boat Show this weekend will help quench that thirst. Check out the approximately 140 boats for sale, as well as the latest nautical gear, gadgets and accessories. If you’re dreaming big, our expanded selection of 80’+ superyachts.

When: Thursday – Sunday, June 15 – 18 | 12 – 7pm on Thursday & Friday, 10am – 7pm Saturday, 10am – 5pm Sunday
Where: Harbor Island, Spanish Landing Park, East
Cost: $15 for adults, kids 12 and under are free
More information: www.sandiegointernationalboatshow.com


Little Italy Summer Film Festival

Every Saturday night this summer, stop by San Diego’s Little Italy Amici Park and enjoy a series of Italian films with English subtitles. The screenings start at 8 p.m. The entry fee is a $5 donation.

When: Saturday, June 17 | 8pm
Where: Amici Park | 1660 Union St, San Diego, CA 92101
Cost: $5 donation
More information: www.littleitalysd.com/events/little-italy-summer-film-festival

Money Monday: How to retire debt-free

Retiring already can put a strain on your budget; don’t exacerbate it by being deep in debt on top of it!

Picture from www.ccPixs.com

Here are a few ways to get and stay debt-free:

  1. Start and keep building up your savings — having at least an emergency savings stash is especially crucial.
  2. Spend less than you bring in — live below your means.
  3. Work on paying off your student loans early.
  4. Don’t overpay when buying your home — you need to get an affordable mortgage.
  5. Keep that credit card debt very low.

Read more on all five of these ideas on Money.CNN.com’s article: “5 steps to retire debt-free.”