Thursday, March 1, 2018

Things to Do This Weekend in San Diego: March 1-4



Welcome to your first weekend of March, San Diego. From a burst of blooms in Carlsbad to community art walks and hockey, it's going to be a great few days in America's Finest City.


The Flower Fields at Carlsbad Ranch
9 a.m. to 6 p.m., Carlsbad RanchThe beautiful blooms at the famous Flower Fields at Carlsbad Ranch are back in their brilliant glory. Opening day is Thursday but the annual flower viewing season runs through May 13. As usual, for about six to eight weeks, visitors can enjoy displays of colorful Giant Tecolote Ranunculus spanning fifty acres. The annual burst of blooms is something locals look forward to year after year as spring rolls in. The Flower Fields are open daily from 9 a.m. to 6 p.m.; tickets cost $16 for adults, $14 for seniors, and $8 for children ages 3 to 10. If you plan on visiting a few times this spring, you may want to spring for a season pass. Keep an eye on the Flower Fields website, too, as the venue hosts lots of family-friendly, fun events throughout its season, usually on the weekends.
First Thursday at The Lafayette
6:30 p.m. to 9:30 p.m., The Lafayette Hotel, Swim Club & Bungalows
San Diego Made, an artists’ collective organization that aims to increase awareness of the arts in San Diego, hosts its free monthly pop-up event, “First Thursday,” at The Lafayette. The event features handmade goodies from more than 30 local artists, plus music, Happy Hour specials and activities like a free coloring station for kids and adults, love-themed henna tattoos, a free photo booth, outdoor courtyard games and raffles. This time, for a $40 fee, attendees can also partake in this Metal Etching Workshop led by local jeweler Sweet1985, in which they will learn to create cuff bracelets via the art of etching metal.
Zumba Fitness Fun6:30 p.m., Harrah’s Resort Southern CaliforniaThis energizing Zumba class goes down each Thursday on the second-floor South Tower at Harrah’s Resort SoCal. The movin’ and groovin’ starts at 6:30 p.m.
Circus Vargas
7:30 p.m., Escondido Westfield North CountyGather ‘round the big top, San Diego – Circus Vargas has been making its rounds and, this weekend, it keeps the show going at Escondido Westfield North County. The traveling show boasts thrilling performances by acrobats, daredevils, flying trapeze artists, jugglers, contortionists, comics and more. The Circus Vargas theme is “Dreaming of Pirates,” so attendees can expect some swashbuckling surprises. Take the family 30 minutes before show time and enjoy a special, free pre-show where kids can create their own magic under the big top. Tickets range from $15 to $72; kids age 2 and under get in free with a paying adult, so long as they sit on an adult’s lap. Circus Vargas will be in Escondido through this Monday before moving north to Temecula on March 8.
Chadwick Johnson: ‘Your Song: Celebrating the Hits of the Piano Men’
8 p.m., Martinis Above FourthLas Vegas crooner Chadwick Johnson brings his new show to Martinis Above Fourth (3940 Fourth Ave.) in Hillcrest Friday night, singing the hits of music’s most beloved “piano men,” including Elton John, Billy Joel and Stevie Wonder. General admission, which includes reserved seating, costs $25 and there’s a $15 per person food or drink minimum. The doors open at 6 p.m. and Johnson takes the stage at 8 p.m.
Inside Liberty Public Market: Fall 2017Inside Liberty Public Market: Fall 2017
It's been a year-and-a-half since Liberty Public Market opened in the heart of Liberty Station. With more than 30 vendors lining its halls, the 25,000-square-foot marketplace has quickly transformed into a food emporium, with interesting treats to be had at every turn. Here's a glimpse at LPM, as it looks in fall 2017. 
(Published Thursday, Sept. 21, 2017)
Friday, March 2
Spring Home & Garden Show10 a.m. to 5 p.m. (Friday through Sunday), Del Mar FairgroundsGet inspiration for the home improvement project of your dreams at the 33rd annual Spring Home & Garden Show at the Del Mar Fairgrounds. This three-day expo will showcase some of the newest trends in home renovation while giving access to the best tools, experts, and businesses to help complete those projects. Tickets cost $9 per day. The Home & Garden Show runs from 10 a.m. to 5 p.m. Friday and Sunday and 10 a.m. to 6 p.m. Saturday.
Whale Watching Aboard America11 a.m. to 4 p.m., Maritime Museum of San DiegoExperience San Diego’s whale watching season aboard America, a 138-foot sailing yacht that launches from the Maritime Museum. This 4-hour tour cruises the coastline on a quest to view the sea creatures. Light snacks and beverages are included in the ticket price, plus admission to the Maritime Museum of San Diego before or after the cruise. Tickets range from $42.50 to $85, with discounts for active duty and retired military. Check-in is 30 minutes before your departure time at the booth in front of the Berkeley Steam Ferry.
Friday Night Liberty
5 p.m. to 9 p.m., The Arts District at Liberty StationThe Arts District at Liberty Station (2640 Decatur Rd.) hosts Friday Night Liberty, a free, monthly art walk showcasing the working artists, dance, music and theatre that are helping the district grow in its mission to highlight the arts culture in San Diego. The evening will include performances from Malashock Dance & The Malashock Dance School in the Abbe Wolfsheimer Studio at the Dorothea Laub Dance Palace at 5:30 p.m. and 6:30 p.m.
First Friday Art Walk Oceanside
5 p.m. to 9 p.m., Springhill Suites Marriott
The First Friday Art Walk in Oceanside – at the Springhill Suites Marriott hotel – will highlight dozens of artists and vendors that make the community unique. Attendees can enjoy arts, music, live performances, activities and food at this free, all-ages event presented by the Oceanside Friends of the Arts, an organization that raises funds for scholarships for kids who want attend local arts and culture schools.
Cardio Samba (Brazil)6:30 p.m. to 7:30 p.m., Crown Dance StudioPower up your workout routine with this high-energy class at Crown Dance Studio (6904 Miramar Rd.). Gladys Altafani, a Sambista of the Brazilian Carnivale, leads fun every Friday. Drop-in classes cost $20; if you sign up for a membership, the price drops by a few dollars.
San Diego Gulls vs. Ontario Reign
7 p.m., Valley View Casino Center
It’s hockey time! The San Diego Gulls take on the Ontario Reign at Valley View Casino Center Friday night. Tickets start at $23; the puck drops at 7 p.m.
Hops on the Harbor
7 p.m. to 10 p.m., Flagship Cruises & Events
This month, enjoy a craft beer dinner cruise around the San Diego Bay paired with brews from Duck Foot Brewing. The menu for this installment of “Hops on the Harbor” includes four 6-ounce, beer tastings expertly matched with courses. For instance, Duck Foot’s golden honey ale, “Drink This or the Bees Die,” will be paried with English pea gnocchi, Caesar salad and garlic bread. Also on the brew menu: Hazy McBeerFace (a West Coast hazy IPA) and Sassy Tart (an imperial Berliner weisse with Montmorency cherries). The dinner cruise boards at 7 p.m. from 990 North Harbor Dr. and sails past the San Diego skyline, USS Midway, Star of India and other Maritime Museum ships and the Coronado Bay Bridge. Tickets cost $69.50 for adults and $41.70 for children ages 4 to 12; kids 3 and under are free. Reservations are recommended.
Reggae Fridays7 p.m. to 11 p.m., Fast TimesEnjoy the laid-back vibes of “Reggae Fridays” at Fast Times, a relatively new restaurant and bar in Clairemont (3065 Clairemont Dr.). The weekly event includes music from DJ J-Roots and local reggae musicians.
Group Works to Restore Balboa Park CarouselGroup Works to Restore Balboa Park Carousel
The San Diego-based nonprofit organization, Friends of Balboa Park, recently purchased the historic Balboa Park Carousel located off Park Boulevard. The group plans to restore the ride to its glory days and keep it running for generations to come. The carousel was built in 1910 and boasts all of its original parts. It first came to Balboa Park in 1... 
(Published Tuesday, July 25, 2017)
STOMP
7:30 p.m., Balboa Theatre“Stomp” – back at the Balboa Theatre for the first time in seven years – brings its eight-member touring troupe to the stage to perform magnificent rhythms using everything but conventional percussion instruments. The high-energy, pulse-pounding show is for music enthusiasts of all ages; tickets start at $22. If you miss Friday’s performance, you have a few more chances: “Stomp” runs at 2 p.m. and 7:30 p.m. Saturday and again at 1 p.m. and 6 p.m. Sunday.
Cinema Under the Stars: ‘Three Billboards Outside Ebbing, Missouri’8 p.m., Cinema Under the Stars (Mission Hills)Enjoy a movie under the stars at this outdoor theater on Goldfinch Street in Mission Hills. The winter/spring screening season features a movie screening every Friday and Saturday night at 8 p.m., now through April 29. This weekend, the seven-time, Oscar-nominated film co-starring Sam Rockwell and Woody Harrelson, “Three Billboards Outside Ebbing, Missouri,” is playing on the big screen. Admission is $18 at the box office, or you can reserve your seat in advance for $20.
San Diego's Top Breweries San Diego's Top Breweries
Saturday, March 3
8th Annual Finish Chelsea’s Run7:30 a.m. (race) and 8 a.m. to 11 a.m. (family festival), Balboa ParkAn inspirational race returns to Balboa Park Saturday: Finish Chelsea's Run, meant to remember Chelsea King, a Poway teenager tragically kidnapped and killed in 2010 while on a run in Rancho Bernardo. In the days after King’s death, thousands from the community gathered to finish Chelsea’s run — to walk the route King was never able to complete because her life was cut short. Chelsea’s Parents, Kelly and Brent King, said the walk was so healing they decided to make it an annual tradition that would inspire others to live positively. Prices to participate range from $15 to $50 and funds go towards scholarships for teens who share Chelsea’s “service-over-self” characteristics.
Little Italy Mercato
8 a.m. to 2 p.m., Little ItalyEvery Saturday, more than 200 tents line the streets of Little Italy, spanning five blocks and showcasing an array of farm fresh produce, meats, flowers and artisan craft goods from local vendors. Grab a crepe as you stroll, or sit in the Piazza Famiglia while enjoying music from local artists. This has been a neighborhood tradition for years and has become one of the biggest farmers markets in San Diego.
San Diego Undy Run/Walk8:30 a.m., De Anza CoveThe Colorectal Alliance wanted to bring awareness to a pretty heavy topic in a light-hearted and amusing way. Thus, the Undy Run was born. Join hundreds of runners as they hit the streets sporting tighty whiteys, boxer briefs, costumes and more. A giant inflatable colon will be on hand for attendees to run through because, why not? The goal is to raise funds for research to find a cure for colon cancer. Registration fees range from $30 to $40 and your ticket includes a pair of boxer shorts.
31st Annual Koi Show9 a.m. to 4 p.m. (Saturday) and 9 a.m. to 2 p.m. (Sunday), Del Mar FairgroundsKoi fish have become known as “living jewels” because of their bright orange hues and quick movements in the water that seem to make them reflect. This weekend, hundreds of the magnificent fish will be on display for a Koi pond competition at the Del Mar Fairgrounds. Guests can learn how to create a water garden in their backyard to keep Koi as pets or just soak in the wonder of the fish. The event is free but parking at the fairgrounds is $14.
Lucky Street Vintage Market10 a.m. to 5 p.m., 1722 South Coast Highway #3, OceansideEvery Saturday and Sunday, Lucky Street Productions hosts its “vintage marketplace” in a large warehouse filled with vintage finds in a variety of styles. From shabby chic to oddities and French country to glam, you are sure to find the vintage style of your choice. The market sells clothing items, gardening items, architecture, craft supplies and so much more.
MythBusters: The Explosive Exhibition
10 a.m. to 5 p.m. (Monday through Thursday) and 10 a.m. to 6 p.m. (Friday through Sunday), Fleet Science CenterCan you pull a tablecloth off a table without disturbing the dishes on top? Do you stay drier running or walking in the rain? Get the answer to some of your burning questions at the new exhibit based on the popular TV show, "Mythbusters." Just like the show, this hands-on exhibit will allow guests to use the scientific method to test some commonly-held theories. Access to the exhibit, which is open through Sept. 3, can be added to a general admission ticket to The Fleet for $5.
Spring Busker Festival
12 p.m. to 6 p.m.(Saturday & Sunday), Seaport VillageStep right up: the annual Spring Busker Festival returns to Seaport Village this Saturday and Sunday, showcasing the talents of nine of the nation’s top street performers. The free festival at the waterfront landmark is a family favorite, and will run from 12 p.m. to 6 p.m. on both Saturday and Sunday. The 18+ crowd can stick around Saturday for “Buskers After Dark,” a special 7 p.m. to 10 p.m. session featuring a DJ, food and beer specials and busker acts suited for an older crowd.
Things to Do in Old TownThings to Do in Old Town
From free museums and historical demonstrations to food, NBC 7's Monica Garske takes a look at some things to do when visiting Old Town San Diego State Historic Park.
(Published Thursday, June 1, 2017)
Oceanside Grunion Run10:35 p.m. to 12 a.m. (Saturday) and 11:15 p.m. to 1:15 a.m. (Sunday), Oceanside BeachIt’s a spectacle to behold when thousands of grunion -- slim, silver-colored fish -- come out of the water and onto the shoreline to lay eggs. To see the natural event that happens only a handful of days throughout the year, head to Oceanside Beach Saturday night and bring a flashlight. Though times may vary, California Department of Fish and Wildlife says prime time to watch the run will be between 10:35 p.m. to 12 a.m. Saturday and 11:15 p.m. Saturday to 1:15 a.m. Sunday.
Sunday, March 4
BrunchCon
9 a.m. to 4 p.m., Port Pavilion on Broadway PierIt’s time to celebrate your favorite meal of the day, brunch. The touring BrunchCon is making a stop in San Diego to offer guests access to staples of any good brunch — eggs, pancakes and mimosas. A $45 ticket to a three-hour session gets you food samples from 30 local vendors, including Snooze, Hundred Proof and DonutBar. The event features lawn games and an open mimosa and bloody Mary bar. Upgrade to VIP for $40 more and get in 30 minutes early, plus a swag bag filled with $150 worth of goodies.
Guided Nature Walk
9:30 a.m., Mission Trails Regional Park Visitor Center
Join a trail guide from Mission Trails Regional Park (MTRP) on this free, 1.5-hour nature walk and learn about the plants, animals, geology, history and ecology of the park. The walk begins at the Visitor Center and will head out to one of three scenic trails: The Oak Grove Loop, The Visitor Center Loop, or The Riverside Grinding Rocks. These walks are typically held at MTRP every Saturday, Sunday and Wednesday at 9:30 a.m. Wear close-toed shoes and sunscreen, and bring water.
Things to Do at Balboa ParkThings to Do at Balboa Park
Balboa Park is one of San Diego’s best-known landmarks. NBC 7's Monica Garske speaks with Balboa Park Conservancy CEO and president Tomas Herrera-Mishler about a few of the things you should do when you visit the sprawling urban park in the hear of America's Finest City.
(Published Thursday, April 20, 2017)

CRSSD Festival12 p.m. to 11 p.m. (Saturday) 12 p.m. to 10 p.m. (Sunday), Waterfront ParkThe 2018 lineup for San Diego’s annual two-day electronic music festival CRSSD features artists like Bonobo, Little Dragon and Empire of the Sun. Tickets are sold out but may be available through the festival’s ticket exchange. 
Bite San Diego Walking ToursTimes vary, Locations varyThis one's for foodies: Bite San Diego takes guests on a 3-hour+ walking tour through a select neighborhood, offering samples of the culinary scene from at least five restaurants while showcasing the neighborhood’s history. Tours make an average of five stops at some of the most mouthwatering restaurants in San Diego County. Participants can choose from tours in North Park, Liberty Station, Downtown San Diego, Coronado, La Jolla and Encinitas. Tours are offered Fridays, Saturdays and Sundays (depending on the location); hours vary. For more customization, Bite San Diego offers private tours.
Live Music Sundays: The Counterfeits
1 p.m. to 4 p.m., Liberty Public MarketLocal group The Counterfeits will get together for a jam session Sunday on the patio at Liberty Public Market. The band will performt top 40s covers and some of their "feel good" original songs. The concert is free; before or after the show, stroll the artisan shops at the market or grab a bite to eat from a local vendor. It's a perfect Sunday outing in San Diego.
Sunday Organ Concert
2 p.m. to 3 p.m., Spreckels Organ Pavilion at Balboa Park
Enjoy a free, hour-long organ concert Sunday at Balboa Park’s famed Spreckels Organ Pavilion. At the keys, the audience will find Raul Prieto Ramirez, the city’s newest San Diego Civic Organist and Artistic Director of the Spreckels Organ Society. Prieto Ramirez hails from Spain and, as he told NBC 7, hopes to keep the program interesting – from Bach to Queen – at the historic Spreckels Organ.
Oscars in the Ranch
4:30 p.m., Rancho Santa FeWhile A-list actors make their way to Hollywood for the film industry's biggest night, you can feel like a star at the San Diego International Film Festival’s Oscars watch party. Take photos on the red carpet and cast your Oscars ballots before the show starts at 5 p.m. PST. Tickets cost $175 and include tasty bites and craft beverages created by a handful of local award-winning chefs. Proceeds will benefit local films and filmmakers through the San Diego Film Foundation.
Tango by the Beach5 p.m. to 7:30 p.m., Pacific Street Linear ParkBreak out your dancing shoes as the sun sets on Oceanside. Tango by the Beach brings a rollout mat right up to the park (112 The Strand South) situated just steps from the shoreline so guests can learn the art of the romantic dance. An introductory lesson is held at 5 p.m.
Raga, Roots & Re-imaginings
7 p.m., Encinitas LibraryHarpist Sheela Bringi’s harmonious songs come to life with a traditional Indian sound infused with soulful American roots stylings. Joining her is trumpeter Clinton Patterson, who will intersperse classic Indian tales and folklore. Tickets are $20 or $25 for premium seating at the Encinitas Library, which is located at 540 Cornish Dr.
The Importance of Being Earnest7 p.m., The Old Globe TheatreThe Old Globe Theatre brings Oscar Wilde’s beloved “trivial comedy for serious people” to the stage. In "The Importance of Being Earnest," Jack and Algernon, a pair of bachelors attempting to avoid the realities of their lives, create fictitious personas and end up finding themselves in ridiculously funny situations. Performances run through March 4; ticket prices vary by day.
Free or Cheap Things to Do in San DiegoTimes and locations varyFree or Cheap Things to Do in San DiegoFree or Cheap Things to Do in San Diego
Looking to save some cash, but still enjoy the city? In San Diego, there are still plenty of activities to enjoy for free or on the cheap. Go for a hike at Torrey Pines State Park or Cowles Mountain, stroll Balboa Park, try a new craft brewery, admire the murals of Chicano Park or read a book at a downtown park. Get out there and explore America’s Finest City.

Courtesy of NBC San Diego

Tuesday, February 27, 2018

Is Now a Good Time to Rent?


People often ask if now is a good time to buy a home, but nobody ever asks when it’s a good time to rent. Regardless, we want to make certain that everyone understands that today is NOT a good time to rent.

The Census Bureau recently released their 2017 fourth quarter median rent numbers. Here is a graph showing rent increases from 1988 until today:

As you can see, rents have steadily increased and are showing no signs of slowing down. If you are faced with making the decision of whether or not you should renew your lease, you might be pleasantly surprised at your ability to buy a home of your own instead.
Bottom Line

One way to protect yourself from rising rents is to lock in your housing expense by buying a home. If you are ready and willing to buy, let’s meet to determine if you are able to today!

Monday, February 19, 2018

Calm Down! The Real Estate Market is NOT Falling Apart

There has been tremendous volatility in certain markets over the last few weeks (for example, the stock and currency markets). When this happens, some tend to lump all of their investments together and create an almost ‘Armageddon’ scenario where everything loses value quickly and dramatically. Real estate is an investment that can get caught up in this hysteria. Does the concern about the current housing market have merit?
Financial advisors have been warning us for months that the stock market was ripe for a “correction.”
Experts have been questioning the value of alternative currencies for over a year.
In contrast, here are the opinions of three major players in the residential housing market:

Ralph DeFranco, Chief Economist, Arch Capital Services Inc.

“It’s premature to worry about a housing bubble. The typical warning signs – excessive debt levels, poor quality loans, exponentially increasing home prices, rising vacancy rates and/or poor affordability compared to the past, and a high number of internet searches on house flipping – are not present.”

Liu-Down, Genworth Chief Economist

“My thoughts on many recent discussions of ‘housing bubble’ – the bar for a housing bubble is higher than just prices being above some fundamental value. There must be widespread behavior change as well such as higher levels of fraud and speculation.”

Fitch Report

“US home prices are on track for a 5% nominal gain for the 4th consecutive year, returning national prices to their highest level since 2007. The growth has been driven by historically low mortgage rates and unemployment plus solid population and personal income growth rates…a meaningful correction should only be triggered by an unexpected economic shock.”

Bottom Line

Speculation has driven certain markets over the last year. However, it has not been speculation, but instead people’s desire for homeownership, that has driven the real estate market.

Wednesday, February 7, 2018

Where Are Mortgage Interest Rates Headed in 2018?

Where Are Mortgage Interest Rates Headed in 2018?

Where Are Mortgage Interest Rates Headed in 2018? | MyKCM
The interest rate you pay on your home mortgage has a direct impact on your monthly payment. The higher the rate the greater the payment will be. That is why it is important to know where rates are headed when deciding to start your home search.
Below is a chart created using Freddie Mac’s U.S. Economic & Housing Marketing Outlook. As you can see, interest rates are projected to increase steadily over the course of the next 12 months.
Where Are Interest Rates Headed? | MyKCM

How Will This Impact Your Mortgage Payment?

Depending on the amount of the loan that you secure, a half of a percent (.5%) increase in interest rate can increase your monthly mortgage payment significantly.
According to CoreLogic’s latest Home Price Index, national home prices have appreciated 7.0% from this time last year and are predicted to be 4.2% higher next year.
If both the predictions of home price and interest rate increases become reality, families would wind up paying considerably more for their next home.

Bottom Line 

Even a small increase in interest rate can impact your family’s wealth. Let’s get together to evaluate your ability to purchase your dream home.

Saturday, February 3, 2018

Things to Do This Weekend in San Diego: Feb. 1-4

TGI Weekend! There's a lot happening around San Diego on this first weekend of February. Get up. Get out. Play!
Thursday, Feb. 1
Beach Spin
7:30 a.m., Hotel Del Coronado
Change up your morning workout with this oceanfront spin class on the Paseo Lawn at the Hotel Del Coronado. The 50-minute class is led by instructors and includes high-energy music and stunning views. It costs $15 for San Diego County residents, with a valid photo ID, and $25 for non-residents.
Shen Yun
2 p.m., California Center for the Arts Escondido
Performing arts company, Shen Yun, brings its lively, colorful show to the stage at the California Center for the Arts in Escondido. The show features classical Chinese dance, ethnic and folk dance, and story-based dance, with orchestral accompaniment and solo performers, to tell tales of ancient legends and modern heroes spanning 5,000 years of Chinese culture. Tickets cost $80. Shen Yun moves to downtown’s San Diego Civic Theatre the rest of the weekend, with five more shows at that venue Friday through Sunday. 
Raul Prieto Ramirez on the Spreckels Organ PipesRaul Prieto Ramirez on the Spreckels Organ Pipes
Spanish organist Raul Prieto Ramirez is San Diego's new Civic Organist. You can see him perform on the historic Spreckels Organ at Balboa Park. Here, he shows NBC 7 some of his fancy footwork.
(Published Friday, Jan. 12, 2018)
First Thursday at The Lafayette
6:30 p.m. to 9:30 p.m., The Lafayette Hotel, Swim Club & Bungalows
San Diego Made, an artists’ collective organization that aims to increase awareness of the arts in San Diego, hosts its free monthly pop-up event, “First Thursday,” at The Lafayette. The event features handmade goodies from more than 30 local artists, plus music, Happy Hour specials and activities like a free coloring station for kids and adults, love-themed henna tattoos, a free photo booth, outdoor courtyard games and raffles. For a $45 fee, attendees can also partake in a Block Printing Workshop led by Little Prints Fabric Studio in which they will learn to create printed motifs to adorn items like tote bags, tea towels, labels, postcards and posters. 
Zumba Fitness Fun
6:30 p.m., Harrah’s Resort Southern CaliforniaThis energizing Zumba class goes down each Thursday on the second-floor South Tower at Harrah’s Resort SoCal. The movin’ and groovin’ starts at 6:30 p.m. 
Show Clips: Hamilton the MusicalShow Clips: Hamilton the Musical
The smash hit musical “Hamilton” is the brainchild of Lin-Manuel Miranda, based on Ron Chernow’s biography of Founding Father Alexander Hamilton. Its trailblazing score blends hip-hop, jazz, blues, rap, R&B and Broadway as it unravels the story of America – then and now.
(Published Tuesday, Jan. 2, 2018)
California Creation Myth6:30 p.m. to 8 p.m., San Diego History CenterKumeyaay historian and educator Michael Connolly Miskwish, M.A., and Theresa Gregor, Ph.D., Assistant Professor of American Indian Studies at CSU Long Beach, lead this seminar at the San Diego History Center in Balboa Park focusing on how Spanish revivalism, a book called “Ramona,” and real estate speculators created a mythology that overwhelmed California and consigned Kumeyaay to a footnote for 100 years. The seminar is free, but seating is limited, so attendees are required to RSVP ahead of time online.
San Diego Winds Chamber Concert
7:30 p.m. to 9 p.m., Point Loma Nazarene University
San Diego Winds presents a chamber concert at the Crill Performance Hall at Point Loma Nazarene University. The concert features the talents of the Stravinsky Octet, conducted by Gregg Hanson, performing works by Childs, Francaix, Milhaud and Stravinsky. Tickets cost $10.
Inside Liberty Public Market: Fall 2017Inside Liberty Public Market: Fall 2017
It's been a year-and-a-half since Liberty Public Market opened in the heart of Liberty Station. With more than 30 vendors lining its halls, the 25,000-square-foot marketplace has quickly transformed into a food emporium, with interesting treats to be had at every turn. Here's a glimpse at LPM, as it looks in fall 2017. 
(Published Thursday, Sept. 21, 2017)
Circus Vargas
7:30 p.m., Westfield Mission Valley
Gather ‘round the big top, San Diego – Circus Vargas’s continues its run at Westfield Mission Valley. The traveling show boasts thrilling performances by acrobats, daredevils, flying trapeze artists, jugglers, contortionists, comics and more. This time around, the Circus Vargas theme is “Dreaming of Pirates,” so attendees can expect some swashbuckling surprises. Take the family 30 minutes before show time and enjoy a special, free pre-show where kids can create their own magic under the big top. Tickets range from $15 to $72; kids age 2 and under get in free with a paying adult, so long as they sit on an adult’s lap. Circus Vargas will be at Westfield Mission Valley through Feb. 5 before moving on to Westfield Plaza Bonita on Feb. 8.
Badfish: A Tribute to Sublime
8 p.m., House of Blues
Badfish: A Tribute to Sublime hits the House of Blues in downtown San Diego Thursday night. The Rhode Island-based tribute band is dedicated to playing the songs of Sublime that defined the 1990s. Tickets to this 18+ show range from $20 to $45.
The Stone Foxes
9:30 p.m., The CasbahSan Francisco-based rock band, The Stone Foxes, plan to rock The Casbah Thursday night. The group, founded by brother Shannon and Spence Koehler has deep California roots; the brothers are originally from the Sierra Nevada foothills near Tollhouse, California. Tickets to the show start at $16.
Friday, Feb. 2
Whale Watching Aboard America
11 a.m. to 4 p.m., Maritime Museum of San DiegoExperience San Diego’s whale watching season aboard America, a 138-foot sailing yacht that launches from the Maritime Museum. This 4-hour tour cruises the coastline on a quest to view the sea creatures. Light snacks and beverages are included in the ticket price, plus admission to the Maritime Museum of San Diego before or after the cruise. Tickets range from $42.50 to $85, with discounts for active duty and retired military. Check-in is 30 minutes before your departure time at the booth in front of the Berkeley Steam Ferry.
Group Works to Restore Balboa Park CarouselGroup Works to Restore Balboa Park Carousel
The San Diego-based nonprofit organization, Friends of Balboa Park, recently purchased the historic Balboa Park Carousel located off Park Boulevard. The group plans to restore the ride to its glory days and keep it running for generations to come. The carousel was built in 1910 and boasts all of its original parts. It first came to Balboa Park in 1...  (Published Tuesday, July 25, 2017)
Santiago Quesnel
1 p.m. to 5 p.m., Lux Art Institute
The works of visiting Argentinian artist Santiago Quesnel are currently on exhibit at Lux Art Institute in Encinitas (1550 South El Camino Real). Quesnel’s paintings are inspired by the memories and layered landscapes of his hometown of Buenos Aires. His art is on display at the Lux’s Artist Pavilion through Feb. 17, which is open from 1 p.m. to 5 p.m. Fridays. Admission to the Lux is $5 for adults and free for children ages 18 and younger. If you ride your bike there, you get in free, too.
Friday Night Liberty
5 p.m. to 9 p.m., Arts District at Liberty Station
The Arts District at Liberty Station (2640 Decatur Rd.) hosts Friday Night Liberty, a monthly art walk showcasing the working artists, dance, music and theatre that are helping the district grow in its mission to highlight the arts culture in San Diego. The event is free. This month’s theme is “Love the Arts.” The evening will include performances from Malashock Dance & The Malashock Dance School in the Abbe Wolfsheimer Studio at the Dorothea Laub Dance Palace at 5:30 p.m. and 6:30 p.m.
Cardio Samba (Brazil)6:30 p.m. to 7:30 p.m., Crown Dance StudioPower up your workout routine with this high-energy class at Crown Dance Studio (6904 Miramar Rd.). Gladys Altafani, a Sambista of the Brazilian Carnivale, leads fun every Friday. Drop-in classes cost $20; if you sign up for a membership, the price drops by a few dollars.
Hops on the Harbor
7 p.m. to 10 p.m., Flagship Cruises & Events
Enjoy a craft beer dinner cruise around the San Diego Bay paired with brews from North Park favorite, Thorn Street Brewing. The menu for this installment of “Hops on the Harbor” includes four 6-ounce, malt-forward beer tastings expertly matched with courses. For instance, Thorn Street Brewing’s West Coast-style Relay IPA will be paired with chipotle BBQ chicken, baked macaroni and cheese and steamed broccolini with toasted garlic. Also on the brew menu: Thorn’s Barrio Lager, 007 English pale ale, and Abbey Wall. The dinner cruise boards at 7 p.m. from 990 North Harbor Dr. and sails past the San Diego skyline, USS Midway, Star of India and other Maritime Museum ships and the Coronado Bay Bridge. Tickets cost $69.50 for adults and $41.70 for children ages 4 to 12; kids 3 and under are free. Reservations are recommended.
Reggae Fridays
7 p.m. to 11 p.m., Fast Times
Enjoy the laid-back vibes of “Reggae Fridays” at Fast Times, a relatively new restaurant and bar in Clairemont (3065 Clairemont Dr.). The weekly event includes music from DJ J-Roots and local reggae musicians.
Tyler, The Creator
7:30 p.m., Valley View Casino Center
Popular American rapper, Tyler, The Creator, stops by San Diego’s Valley View Casino Center amid his North American tour in support of this new album, “Flower Boy.” General admission tickets start at $39.50; parking at the venue will cost $20.
The Addams Family: A New Musical
8 p.m. to 10 p.m., The Coronado Playhouse
They’re creepy and they’re kooky, mysterious and spooky, they’re altogether ooky, the Addams Family. Opening The Coronado Playhouse’s 2018 season is “The Addams Family,” a musical comedy from the writers of “Jersey Boys” directed by Playhouse favorite, Rayme Sciaroni. The musical runs at The Coronado Playhouse through Feb. 25 on Thursdays, Fridays and Saturdays at 8 p.m. and Sundays at 2 p.m. Tickets range from $20 to $27.
San Diego's Top Breweries San Diego's Top Breweries
Around the World in 80 Days
8 p.m., North Coast Repertory Theatre
The North Coast Rep presents “Around the World in 80 Days,” through this Sunday. The play is adapted by Mark Brown from the iconic novel by Jules Verne about a fearless adventurer circling the globe alive with danger, romance, and comic surprises at every turn. The fast-paced production features five actors portraying 42 characters in a race against time. Friday’s performance is at 8 p.m.; tickets start at $49.
Cinema Under the Stars: ‘About Time’
8 p.m., Cinema Under the Stars (Mission Hills)
Enjoy a movie under the stars at this outdoor theater on Goldfinch Street in Mission Hills. The winter/spring screening season features a movie screening every Friday and Saturday night at 8 p.m., now through April 29. This weekend, the romantic 2013 Rachel McAdams flick, “About Time,” hits the big screen. Admission is $18 at the box office, or you can reserve your seat in advance for $20.
Saturday, Feb. 3 
Save a Heart, Save a Life 5K
8 a.m., NTC Park at Liberty Station
Hit the pavement for the “Save a Heart Save a Life 5K” at NTC Park at Liberty Station. Proceeds from the race support the Screen Your Teen program and its mission to prevent Sudden Cardiac Arrest (SCA), underwriting free heart screenings and CPR/AED training for youth, schools and youth centers. Registration costs $55 for adults and $35 for runner 18 and younger. Each participant receives a T-shirt, finisher medal, goodie bags, prizes and refreshments at the finish line. 
Lucky Street Vintage Market10 a.m. to 5 p.m., 1722 South Coast Highway #3, OceansideEvery Saturday and Sunday, Lucky Street Productions hosts its “vintage marketplace” in a large warehouse filled with vintage finds in a variety of styles. From shabby chic to oddities and French country to glam, you are sure to find the vintage style of your choice. The market sells clothing items, gardening items, architecture, craft supplies and so much more.
San Diego Miniatures Show
10 a.m. to 5 p.m. (Saturday and Sunday), Marriott Mission ValleyCrafters, artists and collectors of all things mini will gather this weekend at the Marriott Mission Valley for the 44th Annual Miniatures Show & Sale. The expo takes place Saturday from 10 a.m. to 5 p.m. and again Sunday from 10 a.m. to 4 p.m. Tickets cost $8 for adults and $2 for children ages 8 to 12; parking is $8.
Chinese New Year Festival
11 a.m. to 5 p.m. (Saturday and Sunday), International Cottages at Balboa ParkThe International Cottages at Balboa Park host this free, two-day Chinese New Year Festival that includes live entertainment, a fashion show and food. Attendees can expect to see performances of the Lion Dance, the Kung-Fu Dragon Dance and other acts inspired by Chinese culture. It’s the year of the dog, so attendees are welcome to bring their pooches to this outdoor fest.
Bonobos!
2 p.m. to 4 p.m., San Diego Museum of Man
The San Diego Museum of Man’s “Living With Animals” program presents two 30-minute presentations Saturday all about bononos, the endangered and peaceful great ape who shares 98.7 percent of its genetic code with humans. The presentation includes details on conservation efforts to save the species. It’s included with paid general admission to the museum, which costs $13 for adults and $10 for children ages 6 to 12. Kids 5 and under get in free.
'Love Hour' & the 'Real Comedians of Social Media'
6 p.m. to 9:30 p.m., The Salvation Army Kroc CenterThe Salvation Army Kroc Center on University Avenue serves as the venue for two shows Saturday night: “Love Hour” and the “Real Comedians of Social Media.” The first show (6 p.m. to 7:30 p.m.) is based on the podcast, “The Love Hour,” featuring longtime couple Kevin and Melissa Fredericks who will discuss love, relationships and happiness and how to navigate today’s dating world. At 8 p.m. the clean, all-ages comedy show, “Real Comedians of Social Media,” takes the stage, showcasing comics who have made their mark on the internet. Tickets for each show start at $30.
Monster Jam
7 p.m., Petco Park
Monster Jam returns to downtown San Diego’s Petco Park with huge, decked out monster trucks performing thrilling stunts. Saturday’s show includes famed trucks like “Black Pearl” and “Grave Digger” doing their thing on the course. Tickets start at $17; for a close-up look at the Monster Jam trucks and drivers, fans can add a Pit Party Pass for $10, which includes a pre-show party from 2:30 p.m. to 5:30 p.m.
San Diego Gulls vs. Tucson Roadrunners
7 p.m., Valley View Casino Center
Are you ready for some hockey? The San Diego Gulls take on the Tucson Roadrunners at this Friday night showdown at the Valley View Casino Center. Tickets start at $22; the puck drops at 7 p.m.
Things to Do in Old TownThings to Do in Old Town
From free museums and historical demonstrations to food, NBC 7's Monica Garske takes a look at some things to do when visiting Old Town San Diego State Historic Park.
(Published Thursday, June 1, 2017)
Sunday, Feb. 4
Guided Nature Walk
9:30 a.m., Mission Trails Regional Park Visitor Center
Join a trail guide from Mission Trails Regional Park (MTRP) on this free, 1.5-hour nature walk and learn about the plants, animals, geology, history and ecology of the park. The walk begins at the Visitor Center and will head out to one of three scenic trails: The Oak Grove Loop, The Visitor Center Loop, or The Riverside Grinding Rocks. These walks are typically held at MTRP every Saturday, Sunday and Wednesday at 9:30 a.m. Wear close-toed shoes and sunscreen, and bring water.
Things to Do at Balboa ParkThings to Do at Balboa Park
Balboa Park is one of San Diego’s best-known landmarks. NBC 7's Monica Garske speaks with Balboa Park Conservancy CEO and president Tomas Herrera-Mishler about a few of the things you should do when you visit the sprawling urban park in the hear of America's Finest City.
(Published Thursday, April 20, 2017)
Live Music Sundays: The Counterfeits
12 p.m. to 3 p.m., Liberty Public MarketTake in this free Sunday concert in the patio at Liberty Public Market featuring local group, The Counterfeits. The feel-good band will jam to top 40 covers and their own original songs as visitors enjoy food, drinks and shopping at the marketplace. 
Bite San Diego Walking ToursTimes vary, Locations varyThis one's for foodies: Bite San Diego takes guests on a 3-hour+ walking tour through a select neighborhood, offering samples of the culinary scene from at least five restaurants while showcasing the neighborhood’s history. Tours make an average of five stops at some of the most mouthwatering restaurants in San Diego County. Participants can choose from tours in North Park, Liberty Station, Downtown San Diego, Coronado, La Jolla and Encinitas. Tours are offered Fridays, Saturdays and Sundays (depending on the location); hours vary. For more customization, Bite San Diego offers private tours. 
Sunday Organ Concert
2 p.m. to 3 p.m., Spreckels Organ Pavilion at Balboa Park
Enjoy a free, hour-long organ concert Sunday at Balboa Park’s famed Spreckels Organ Pavilion. At the keys, the audience will find Raul Prieto Ramirez, the city’s newest San Diego Civic Organist and Artistic Director of the Spreckels Organ Society. Prieto Ramirez hails from Spain and, as he told NBC 7, hopes to keep the program interesting – from Bach to Queen – at the historic Spreckels Organ.
Super Bowl LII
3:30 p.m., Airs on NBC 7The New England Patriots will take on the Philadelphia Eagles at the 52nd Super Bowl Sunday. The big game – live from U.S. Bank Stadium in Minneapolis – airs on NBC 7. The highly-anticipated half-time show will feature pop star Justin Timberlake, and hopefully no “wardrobe malfunctions.”
The Importance of Being Earnest7 p.m., The Old Globe Theatre
The Old Globe Theatre brings Oscar Wilde’s beloved “trivial comedy for serious people” to the stage. In "The Importance of Being Earnest," Jack and Algernon, a pair of bachelors attempting to avoid the realities of their lives, create fictitious personas and end up finding themselves in ridiculously funny situations. Performances run through March 4; ticket prices vary by day.
Free or Cheap Things to Do in San DiegoTimes and locations varyFree or Cheap Things to Do in San DiegoFree or Cheap Things to Do in San Diego
Looking to save some cash, but still enjoy the city? In San Diego, there are still plenty of activities to enjoy for free or on the cheap. Go for a hike at Torrey Pines State Park or Cowles Mountain, stroll Balboa Park, try a new craft brewery, admire the murals of Chicano Park or read a book at a downtown park. Get out there and explore America’s Finest City.

Courtesy 

Thursday, February 1, 2018

2 Major Myths Holding Back Home Buyers

Urban Institute recently released a report entitled, “Barriers to Accessing Homeownership,” which revealed that eighty percent of consumers either are unaware of how much lenders require for a down payment or believe all lenders require a down payment above 5 percent.”

Myth #1: “I Need a 20% Down Payment”

Buyers often overestimate the down payment funds needed to qualify for a home loan. According to the same report:
Consumers are often unaware of the option to take out low-down-payment mortgages. Only 19% of consumers believe lenders would make loans with a down payment of 5% or less… While 15% believe lenders require a 20% down payment, and 30% believe lenders expect a 20% down payment.”
These numbers do not differ much between non-owners and homeowners; 39% of non-owners believe they need more than 20% for a down payment and 30% of homeowners believe they need more than 20% for a down payment.
While many believe that they need at least 20% down to buy their dream home, they do not realize that programs are available that allow them to put down as little as 3%. Many renters may actually be able to enter the housing market sooner than they ever imagined with programs that have emerged allowing less cash out of pocket.

Myth #2: “I Need a 780 FICO® Score or Higher to Buy”

Similar to the down payment, many either don’t know or are misinformed about what FICO®score is necessary to qualify.
Many Americans believe a ‘good’ credit score is 780 or higher.
To help debunk this myth, let’s take a look at Ellie Mae’s latest Origination Insight Report, which focuses on recently closed (approved) loans.
2 Major Myths Holding Back Home Buyers | MyKCM
As you can see in the chart above, 53.5% of approved mortgages had a credit score of 600-749.

Bottom Line

Whether buying your first home or moving up to your dream home, knowing your options will make the mortgage process easier. Your dream home may already be within your reach.