The 8th Annual Poinsettia Bowl

The 8th Annual Poinsettia Bowl

SDSU vs. BYU – Thursday, December 20, 2012 at Qualcomm Stadium

The Aztecs (9-3) and Cougars (7-5) are set to square off in the 8th Annual San Diego County Credit Union Poinsettia Bowl this Thursday, December 20th at Qualcomm Stadium.  This is the second time that San Diego State has been invited to the Poinsettia Bowl since beating Navy 35-14 in 2010.  This year’s matchup promises to be an exciting one, with the Aztecs boasting one of the Nation’s best ground attacks, against the Cougar’s shutdown defense.  The game gets even saucier when you consider the contempt the teams have for one another. It is a rivalry that dates back to November 24, 1979, and a game that was said to have nearly “killed the Aztecs’ football program.” In it, the Cougars gave the Aztecs a sound, 63-14 beating on national television, and effectively ruined the Aztecs’ hope for a bowl appearance.  Overall, BYU has dominated the rivalry with a 27-7-1 record all-time.

Tickets for the 8th Annual Poinsettia Bowl range from $50-$75 and can be purchased here.

San Diego Trolley information for the game, including schedule and pricing can be found here.

 

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Let There Be Lights!

Let There Be Lights!

Your Guide to Holiday Light Displays in San Diego

It’s that time of year again, when we dust off our knotted strands of rainbow-colored incandescent and LED lights, inflate our inflatable Santa and snowmen, and prominently display them for all the world to see—in our yards and on our walls and rooftops. It’s an American tradition that dates back to Thomas Edison (circa 1880), who brought us the first electric Christmas light display as a way to market his “Miracle of Light.” Ever since, we have been mesmerized by their glow and overcome by that unmistakable, child-like feeling of wonderment that could bring a smile to even the grumpiest of Grinchy McScrooges.

We are lucky to have several Holiday light displays in San Diego that will surely twinkle your fancy. Here’s a (nice) list of San Diego neighborhoods with a little extra Yuletide flare:

 

Chula Vista’s Christmas Circle


Located along the loop of  Whitney Street and Mankato Street in San Diego’s South Bay, this neighborhood display usually runs from 5:00 to 10:00 PM through December 26.

Rancho Penasquitos’ Christmas Card Lane


Located in Rancho Penasquitos at Oviedo Street – off Black Mtn. Rd. includes Twin Trails, Carmel Mtn. Rd., Ellingham St., Renato St., Oviedo St., Twin Trails Dr., Barrymore St., Totherham Ave., Talca Ave., Allenbrook Way, Davenport Ave., Amber Sky Ln.

 El Cajon’s Jingle Bell Hill
(a.k.a. Pepper Drive Lights)

Also known as Pepper Drive lights, Jingle Bell Hill is located on Solomon Avenue and Pegeen Place.

La Mesa Neighborhood Lights

Stadler Street – Fairchild residence as featured in the Union-Tribune. Map

5475 Heidi Street – off Lake Murray Blvd. and Marengo, Dec. 10 through Jan.1, 6 to 10 pm. - Map

6761 Jackson Drive – off Cowles Mtn. Blvd. Decorations remain lit until Jan.1. 5 to 9 pm. - Map

 

Source: http://sandiego.about.com/od/thingstodo/a/holiday_lights.htm

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Rancho Penasquitos Monuments

In the Rancho Penasquitos area, new Rancho de los Penasquitos monuments have been erected throughout the community.  It was at the January 5, 2011 Penasquitos Town Council meeting that the monuments were approved to go up throughout 92129.  They are located in the following areas: 12800 Rancho Penasquitos Blvd., 11114 Carmel Mountain Road (South of Penasquitos Drive), 8700 Carmel Mountain Road (North of Sedorus Street), 14500 Black Mountain Road, and 12500 Black Mountain Road. 

They are beautiful reminders of the community that many people live in and love and have chosen to make their home.

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Ready, Set, FALL!!!

Ready, Set, FALL!!!

For your Fall-Back Routine

On November 3rd, daylight savings time comes to an end. As you get ready to set your clocks back, consider making these other household updates as part of your “fall back” routine…..so you can enjoy that extra hour of sleep.

 

F – Fireplace.  Inspect and clean your fireplace and chimney and check duct work every year, especially before winter when you’ll be using it most.

A- Air Filters.  Since you’ll be indoors more often, change out your air filters.  While you’re at it, replace fridge filters, furnace filters, kitchen range hood filter, and check your dryer vents. 

L – Lawn and Garden.  Aerating your lawn can keep it looking healthier and experts recommend doing so once a year.  Use this time to check sprinkler heads and irrigation lines as well.

L – List of Possessions.  If you didn’t do it last year, make this the year you list out, or easier still, videotape your home, to catalog your possessions and make a clear inventory of items you would claim in the event of loss or damage.

B – Batteries.  Check to make sure you have fresh batteries in everything you’d need in an emergency, including smoke detectors, flashlights, radios.

A – Adjust clocks and timers.  As you change the clocks, check the timer on your home thermostat, as well as your television sets, digital recorders, sprinkler system, outdoor lighting, and any other item on a timer.

C – Clean out medicine cabinets.  As you head into cold and flu season, it’s wise to clear out medicine cabinets and check the expiration dates on the medicines you keep.  Expired?  Dispose of them safely by following the FDA guidelines or bring them to one of the next San Diego County Sheriff Department’s Prescription Drug Take-Back programs.

K – Kitchen.  That extra hour of sleep might give you the energy to clean out your freezer and defrost it, if necessary, and even clean that stove.

Courtesy of www.92129Magazine.com

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Mortgage Relief Fraud: Will You Be the Next Victim?

Mortgage Relief Fraud: Will You Be the Next Victim?

 Not if I have anything to say about it!

 The FBI reported a jump of 71% in mortgage relief fraud investigations from 2008-2009, and expects this number to have grown in 2010.

 That’s why it’s my duty to educate homeowners in my community on the cautions they need to take, and what the government has recently done to protect you from unscrupulous individuals and companies who want to take advantage of their desperate situations.

 What you need to watch out for if you are looking for mortgage relief assistance: 

  1. Upfront fees—just don’t pay them! In fact, they are now illegal!
  2. A request to sign over your deed (this only spells trouble)
  3. Lots of paperwork without the opportunity for review
  4. The claim of government-affiliation

These are just a few red flags you need to be wary of. I’ve created a free report on the homepage of my website that details more of what you need to watch for. 

If you are struggling with an unaffordable mortgage and are looking for help, educate yourself. These scammers can be very shrewd and will say almost anything to steal your money. 

The Federal Trade Commission has required disclosures of anyone offering mortgage relief services. If you’d like to see an example, check out any of the pages of my website. If a company you are dealing with has not provided these disclosures, please ask why they are not compliant, and proceed with caution! 

As a CDPE, you can trust that I have the tools to be in full compliance of FTC regulations, and will always work with your best interests at heart. 

If you want viable alternatives to foreclosure, give me a call today. I’m always here to help!

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Halloween Happenings in San Diego

Halloween Happenings in San Diego

Make the most of those Halloween costumes

Who says Halloween has to last only one day?  Those costumes are too cute to wear only once.  Here are some of the fun events happening throughout San Diego to celebrate Halloween and the fall season, although it still feels like summer here!

Legoland California Resort’s Brick-or-Treat (Weekends in October) – Two trick or treat trails, a giant Lego pumpkin, themed décor and much more. 

SeaWorld San Diego’s Halloween Spooktacular (Weekends in October) – Silly and spooky shows like the Pirates 4D movie experience and The Search for Captain Lucky’s Treasure walk-through adventure.  Trick or treat alongside SeaWorld characters. 

Scream Zone Del Mar (October 17-21, October 24-31 7pm until midnight) The best San Diego Halloween adventure awaits you at the Scream Zone at the Del Mar Fairgrounds.  Tickets $14.99 for one scary adventure, $27.99 for all three – Haunted Hayride, House of Horror and The Chamber.  Recommended for teens and above. 

The Haunted Hotel (September 29 through October 31st) – Gaslamp Quarter at 424 Market Street.  NOT FOR CHILDREN UNDER 10 OR THOSE EASILY FRIGHTENED. Buy tickets online to avoid waiting in line.  Tickets cost $17 Friday and Saturday, $15 other nights. 

Bates Nut Farm (September 29 through October 31st) – Over 40 year tradition.  Pumpkin patch, picnic, farm zoo, straw maze and hay rides.  One of the great San Diego Halloween events.  All ages. Open daily 9am-5pm 

Balboa Park Halloween Family Day (Saturday, October 27) – Children under 12 will be treated to free admission to over a dozen museums.  There will be a doggie costume parade and contest at the Lily Pond, a Great Pumpkin parachute drop at the San Diego Air & Space Museum, and activities that explore legendary local ghosts at the San Diego History Center. 

 Halloween Carnival (Friday, October 26th 4:30-6:30 at Mira Mesa Recreation Center) – Even with absence of Monster Manor this year, Halloween fun (not scary) can be had as Mira Mesa Theatre Guild joins the Mira Mesa Halloween Carnival.  Children can enjoy carnival-style games, trick-or-treat, costume contest for ages 11 and under, face painting and more. 

Haunted Birch Aquarium: Shipwrecked!  (October 26 & 27 6-9pm) Live music, games, story times, walk through a “whale fall”, create slime in “deep-sea” slime lab, collect tricky treats, costume raffle.  Members $15, Public $17, Door (all) $19, Free for children 2 and under. 

Carmel Mountain Plaza (October 31st 3-5pm) – Trick-or-Treating throughout the center at participating stores.  Halloween fun, balloons and live music featuring 80’z All-Stars (2:30-5:30 in front of Barnes & Noble).  Register near Coffee Bean & Tea Leaf or Reading Cinemas and receive a free treat bag, while supplies last.  Give a treat too – bring a can of food to support the San Diego Food Bank. 

Spooktacular 10k/5k Run-Walk (October 27th at 8:00am – subject to change) Lake Murray.  Register online by October 25th at midnight.  USATF certified map. Scenic gentle rolling, paved course.  Get your freaky fitness on. Fun for the whole family. 

And for those who don’t mind the drive……

Disneyland Resort’s Halloween Time (September 14 through October 31) – Experience the year ‘round favorites like Haunted Mansion at Disneyland and Tower of Terror at Disney’s California Adventure as well as seasonal treats like Space Mountain: Ghost Galaxy.

Knott’s Berry Farm’s Snoopy’s Costume Party (Weekends in October) – Non-scary daytime event offers shows, activities, and trick-or-treating geared for kids ages 3-11.  Costumes are allowed.

Universal Studios Hollywood’s Halloween Horror Nights (until October 31st, select nights) (Ticket purchase required, not included in regular park admission) – Costumes not allowed, Not recommended for kids under 13.  Navigate through hundreds of haunted mazes and ScareZones, and take a ride on the Terror Tram, which drops guests off on some of the scariest sets on the Universal back lot.

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Escape Your Unmanageable Mortgage

Escape Your Unmanageable Mortgage

Getting free doesn’t have to mean running away.

Perhaps you have heard about it.

On the news, a reporter tells a story about how the housing crisis has caused some homeowners to simply walk away from their homes. It sounds crazy, but many people are being led to believe that walking away from their home is a good (or even the best!) option.

It is called Strategic Default. For distressed homeowners who believe that they have no good choices left, the idea of walking away free of consequence may sound like a relief. The reality, however, is that choosing strategic default has serious repercussions on your credit.

THERE ARE BETTER OPTIONS AVAILABLE!

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, my mission is to provide financially-challenged homeowners with options to escape from unmanageable mortgages without running away.  

Facing your problems head-on is always the best solution. Let me help.

 

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Solving Your Mortgage Crisis Just Got Easier

Solving Your Mortgage Crisis Just Got Easier

5 Steps for a Successful Short Sale

Lenders and the federal government, prompted by the sheer volume of loan modification and short sale requests, have overhauled their systems and programs, making the foreclosure avoidance process much easier than in the past.

If you are considering short selling your home to avoid the financial and emotional fallout of foreclosure, you should be aware of the five steps you should take to increase your chances of a successful transaction.

First, do you qualify?

You must:

  1. Have a verifiable hardship, like unemployment, medical bills, or relocation
  2. Must have a monthly income shortfall
  3. Be insolvent (you have no cash or assets that can be sold to pay down the mortgage), or headed towards insolvency

If you meet these qualifications, follow these five steps to a successful short sale:

  1. Contact me so we can identify your servicer, fill out a short sale packet for the lender, and assemble all the required information needed to list your home for sale
  2. Gather financial information (i.e., bank statements, pay stubs) from at least the last three months
  3. Keep your house in showcase condition for showings, and make as many repairs as necessary and that you can afford
  4. Expect the lender, junior lien holders, and private insurance companies to request more paperwork, and try to gather requested information quickly to ensure transaction efficiency
  5. Set realistic expectations and work with me, the lender, and the buyer to the satisfaction and benefit of all parties involved

For more information about how the short sale process works, or about any other foreclosure alternatives you may qualify for, call me today. I can help you alleviate the burden that the threat of foreclosure brings, and we can develop a strategy to help you breathe a little easier.

IMPORTANT GOVERNMENT DISCLOSURE: You may stop doing business with us at any time. You may accept or reject the offer of mortgage assistance we obtain from your lender (or servicer). If you reject the offer, you will not have to pay us for our services. The above brokerage is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan.

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The Foreclosure Fairytale

The Foreclosure FairytaleThe Foreclosure Fairytale

There is a lot of misinformation out there.

I would not be surprised to find out that you have heard that a foreclosure is sometimes the best option for you. Nothing could be further from the truth. For the vast majority of homeowners out there who are in danger of losing their homes, a short sale represents a vastly superior option.

The reality is that a foreclosure is a devastating option.

As a real estate professional with the Certified Distressed Property Expert (CDPE) designation, I have put together all of the benefits of a short sale over a foreclosure in a free report that is available to anyone.

Take a look at my site and download a copy of my free report entitled “The Foreclosure Fairytale” Then contact me for a free, confidential consultation.

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It’s time to take another look at short sales

Short sales becoming more streamlined

It’s time to take another look at short sales

As recently as a few months ago, if you would have told a real estate agent who specialized in short sales that they’d be raving about a lender’s stellar service and rapid approval times—not to mention significant cash incentives for financially strapped homeowners for pursuing a short sale—you’d have gotten some strange looks.

That’s all changed.  And it’s changed faster and to a greater extent than most real estate professionals ever could have imagined.

With a glut of bank-owned properties dragging down the recovery of the real estate market, as well as the national economy, major lenders are more eager than ever before to avoid foreclosure. So they’ve sharpened their focus on short sales. Big time.

The biggest lenders in the country have staffed up to ensure rapid processing of short sale applications. They’ve ponied up with cash incentives at closing for homeowners who pursue a short sale. And they’re proactively reaching out to CDPE agents and putting them in touch with delinquent borrowers.

This is big news and the media has not really caught onto it yet. What’s important for you to know is that whatever you’ve read or heard in the past about long lag times and frustrations with short sales is probably no longer the case.

As a member of the CDPEAdvanced community, I’m tapped into major lenders and on top of major developments affecting short sales and bank-owned properties.  I invite you to visit my website www.AvoidingForeclosureSanDiego.com to learn more and feel free to contact me any time at 619-994-5515 or MEHAYWOOD@QFRE.NET  if you or anyone you know is struggling with an unmanageable mortgage.

 

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Mary Ellen Haywood
CA BRE License #01264878
Mobile:619-994-5515

Pacific Sotheby’s International Realty
810 West Washington Street
San Diego, CA 92103

Office: 619-269-2277
eFax: 619-819-9910

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