Local Business: Sally Piano Music

Sally Piano Music 

Sally Piano Music has been providing quality music lessons to students via private and group lessons since 1999. They offer the convenience of learning in your home or in one of their studio locations in San Diego, Orange County and Riverside County. The age range of students who have learned piano or other instruments and read music at Sally Piano Music spans from 3-4 years to the senior citizen. The skill level of their new students range from beginners who have never laid hands on a piano to advanced pianists who simply want to improve their skills. Sally Piano Music provides a supportive atmosphere for kids of all ages to learn music with the most creative and highly-qualified instructors in San Diego, Orange County and Riverside County. They work with knowledgeable and friendly teachers who design a unique custom plan for the students to meet their needs and goals and more importantly, they make the experience fun and exciting!

Photo of Sally Piano Music - San Diego, CA, United States. Sally Piano Music Halloween Recital 2017

Their instructors are music majors with experience teaching music to children and adults. Teachers customize lesson plans to each student’s interests and ability, and most of all, they make learning music fun. Sally’s  interviews potential music teachers face-to-face, and conduct background and reference checks before hiring them. Most of our teachers stay with us long-term, which provides continuity and a better learning experience for students.

Learning how to play music or sing opens up a world of creativity and possibility for students of all ages! Visit their website or their Facebook Page for more information and get started on your musical journey today!

 

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August Events Calendar

Looking for fun events and activities this summer? Here is a list of some upcoming events and happenings in San Diego!

 

Backyard Wilderness 3D

August 1st – Ongoing
Balboa Park

Learn about the unexpected wonders of nature that are right under our noses—in our own backyards. Spanning a seasonal year around a suburban home, Backyard Wilderness displays a stunning array of unique wildlife images and behavior. Click here for more information.

La Jolla Music Society SummerFest

August 3rd – August 24th
UCSD

SummerFest 2018 marks Cho-Liang “Jimmy” Lin’s final Festival as Music Director, and an outstanding roster of world-renowned artists and ensembles are gathering to celebrate his 18 remarkable years. Click here for more information.

San Diego Magazine’s 2018 Best of San Diego Party 

August 17th
Downtown

Winners from the June Best Restaurants issue and the August Best of San Diego issue will come together for an incredible celebration of San Diego’s finest. Taste signature dishes from more than 40 restaurants plus the best local breweries, wineries and spirit companies. Expect live bands, lounges, lawn games and more. Click here for more information.

Del Mar Beer Fest

August 18th
Del Mar Thoroughbred Club

Beer aficionados will enjoy over 100 different brews, including hard-to-find specialty choices to top-rated favorites from the local brewing scene. Click here for more information.

42nd Annual World Bodysurfing Championships in Oceanside

August 18th –  August 19th
Oceanside Pier

During the World Bodysurfing Championships, 350-400 bodysurfers from around the world compete in their respective age divisions for trophies and prizes. Click here for more information.

America’s Finest City Half Marathon & 5k

August 19th
Balboa Park

America’s Finest City Half Marathon is run on a fast, scenic, course that starts at the historic Cabrillo National Monument and ends in Balboa Park. Click here for more information.

San Diego International Kids’ Film Festival

August 24th – August 26th
North & South Park

The San Diego International Kids’ Film Festival will screen over 150+ films from 30+ countries. American filmmakers as well as film delegations from China, Korea, Taiwan, Canada, Mexico, Russia, Japan, India, France, UK, Germany and many more, will appear at the event.  Click here for more information.

Bocce Bash

August 25th
SDCCU Stadium

Bocce Bash will hit the field at SDCCU Stadium! Now in its fourth year, this fundraiser for the nonprofit SDCCU Holiday Bowl features round-robin Bocce tournament play, live entertainment, a costume contest and beer provided by Coronado Brewing Company! No experience needed. Bocce equipment provided. Click here for more information.

Summer Beach Bash!

August 25th
Mission Bay

To show our appreciation, ALL Allison James Estates & Homes agents, staff and their families are invited to attend our Summer Beach Bash! This is a free event! Come on out to the Catamaran Resort Hotel and Spa in San Diego for some fun in the sun with food, drinks, games, and more! Click here for more information.

Imperial Avenue Street Festival

August 25th
South Bay

The Imperial Avenue Street Festival is a multicultural street scene that celebrates the rich history, arts and culture of the Greater Logan Heights community. Click here for more information.

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Be The Change 5K

August 25th
South Bay

Run along the scenic Bayfront boardwalk & Seaport Village. Fun wellness fair DJ, music and more, plus give back opportunities onsite! Click here for more information.

Bike the Bay

August 26th
Coronado

Experience Bike the Bay, a scenic bayside ride, and also enjoy a rare opportunity to ride over the San Diego-Coronado Bay Bridge. Click here for more information.

Lagunitas Brews Cruise – San Diego

August 31st
San Diego Harbor

Set sail with us as we embark on the Third Annual Lagunitas Brews Cruise. We sail the San Diego Bay and experience one of a kind views. The cruise features unlimited samples of over 20 different Limited Release and Iconic Lagunitas Craft Beers, including special releases and limited production straight from the brewery in Petaluma. Click here for more information.

San Diego Labor Day Weekend Cruises 

August 31st – September 3rd
San Diego Harbor

Browse our collection of events for your sunny Labor Day weekend. From an exclusive cruise with BBQ-inspired brunch to a special sunset cruise, there is something for everyone. No matter which event you choose you can expect dynamic San Diego views, on-board entertainment and seriously delicious eats. Click here for more information.

Agent Success Spotlight

 

Ryan Main

Ryan Main’s focus and time management is paying off and we celebrate his success, 20 sales so far in 2018 and more pending! Ryan can often be seen in the Carmel Valley Office working on his business. In addition he is enrolled in the Agent Marketing Program where the Marketing Department handles his social media and email marketing. Ryan regularly door knocks, and is always trying to think of new ways to generate more business. He has several postcards in the works and recently created a fantastic video – contact us if you want to see it.

Prashila Sharma

Prashila Sharma always has a smile on her face, which clients just love! Her friendliness and focus has paid off with having 5 closed transactions last month! She does a great job of managing her time, while carving out family time which keeps her balanced. A recent client gave her a wonderful simple review on Zillow, “Prashila Sharma=good vibes!”. The rest of the year is bright for Prashila.

New agents in the Mentor Program are beginning to have a lot of success as well!

Guadalupe Belandres

Guadalupe Belandres closed her first escrow a couple weeks ago and contributes her success to attending any and all company trainings, classes, etc. She is always looking for opportunity, from volunteering weekly for open houses, to stopping in the Carmel Valley Office to see if there is anything new going on.

Karla Escalante-Freitag

Karla Escalante-Freitag has her first transaction in escrow. She obtained this buyer from hosting an open house for another Coastal Premier Properties agent. It is an incredible story about how the property wasn’t quite right and the buyer had only 7 days to purchase a home. Karla worked tirelessly to door knock the neighborhood and find a willing seller. Karla also attends training’s, hosts floor time, and gets creative on social media with promotional videos.

Grace Yun Lee

Grace Yun Lee recently completed her third transaction and graduated from our Mentor Program. Grace has partnered with the Marketing Department to develop a personalized website, participate in social media management, and send out email marketing campaigns.

An Insider’s Guide On Navigating Adjustable Rate Mortgages.

If you know what a Adjustable Rate Mortgage is, you also may be wondering what the advantages and disadvantages are. So let’s explore that issue.

Offering adjustable rates allows lenders to transfer part of the interest rate risk from themselves to the borrower. If you get a fixed rate mortgage and the interest rate then goes up, it costs the lender money. However, if you have an adjustable rate mortgage, as the interest rate goes up, so does your payment, thus compensating the lender. Adjustable rate mortgages are particularly useful when unpredictable interest rates make fixed rate loans hard to get.

Image result for adjustable rate mortgage

One of the main advantages of an adjustable rate mortgage is that the initial interest rate is lower than that of a fixed rate mortgage. A lower rate means lower payments, which may help you qualify for a larger loan. This is an important detail if you expect your future earnings to rise. In this case, the ARM will allow you to qualify for a larger loan amount earlier rather than later.

However, this information should only be used with care. If you use an ARM to qualify for a larger loan amount than a fixed rate would allow you and the interest rate then rises drastically or your income doesn’t rise, you may not be able to afford the larger monthly payments, thus causing you to default on your loan.

A situation in which an adjustable rate mortgage makes sense would be if you are only going to keep the house for a short period of time. If you are only planning to own your house for only a few years, the risk of the interest rate rising goes down. This means that you will get a better rate with an ARM, making it a good choice. However, if you plan on staying in your home for a long period of time, a fixed rate may be a better option.

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The lesson here is to have a plan. Know what your goals are in purchasing a home and plan for all eventualities. Do your research when shopping for an ARM and consider the worst-case scenario.

Design Trends: Two-Toned Kitchen Cabinets

Update your kitchen with a pop of color or hint of contrast with two-toned kitchen cabinets. Adding this trend can give your kitchen the face-lift you’re trying to find! Whether it be adding a statement color or simply lightening up some wood, this trendy addition highlights key features and introduces color diversity to your kitchen. Take a look below for some fresh inspiration.

All images via our Pinterest

Favorite Pins Friday - Beneath My Heart Nov 7, 2014 - like all the colors used, white/wood cabinets, backsplash

Two-toned kitchen cabinets are officially all the rage, like in this kitchen with the lighter upper cabinets and darker lower ones. Click through for more info on two-toned cabinets.

Two tone kitchen cabinets!

Two cabinet colors The vanilla marble with choco chip design is a wonderful selection to be made for almost any type of kitchen, no matter how big or small it is. The brown woodwork furnishing and neat beige interiors makes it look very neat.

Learn how to paint kitchen cabinets like a pro with this easy tutorial by Aniko, from Place of My Taste. Aniko used BEHR Paint in Ultra Pure White and Night Club to create a two-tone color palette for her modern kitchen makeover. Then, she added open shelving, butcher block countertops, a patterned tile floor, and a bright white tile backsplash to tie her new style together.

First Time Home Buyer Guide

1531-07_PL2_Front_TheEdge_SheaHomes_EricFiggePhotos

Making the big move of owning your own home rather than renting can be both extremely exciting and extremely daunting. Having your own yard, enough space to actually feel comfortable, being able to decorate however you please, no shared walls, this list goes on. However, many first time home buyers quickly realize that the process is less navigable than they imagined. That is why we have crafted this guide — to help people not just get through the process, but to do so confidently!

A year before moving

Check your credit score:  Get a copy of your credit report. There are a multitude of ways to do this, some of which are even free! Many people find errors in their credit report upon review, and some of these errors can result in higher loan rates. This is something that is easily avoidable and should be taken care of in beginning of the process.

Determine how much you can afford:  The first step to buying a property is determining what you can afford to buy. It’s a good idea to meet with a qualified lender to determine what you can afford. Lenders look for a debt-to-income ratio of 43% or less or your total income. This includes your future mortgage, car loans, student loans, credit cards, etc. If you’re not quite able to afford the type of property you want to buy, you can start to make a plan.  Create a budget to see what you’re spending your money on every month and start to tailor it towards what your future lifestyle as a homeowner will look like.

Make a downpayment plan: There are various types of mortgages. Typically the more money you can put down for your downpayment, the less you pay in loan costs, including insurance, and you’ll have a lower interest rate. However, with an FHA loan (exclusive to first-time homebuyers) you can put down as little as 3.5% in some cases. As you save, you should note that banks prefer it if you season your money before getting a loan. This means that they like to see stable funds in your accounts for 60-90 days or so before applying for your loan. However you can still use financial gifts or bonuses closer to when you buy.

9 months before moving

Prioritize what you want most in your new home: Unfortunately when buying a home, you usually don’t get every single thing you want. That is why it is very important to pick the things you’d most like to get out of your new home. Maybe you want to be close to work. Or maybe you want a large backyard, a luxurious master bedroom, or even a quiet street. If you’re making this decision with someone else, it is recommended that you figure this stuff out beforehand, to get it out of the way and avoid any surprises down the line. Make sure to know which trade-offs you’re most willing to make.

Research neighborhoods and start visiting open houses: There are many websites you can utilize, such as Trulia and Zillow, to find houses for sale and to see what different areas are like.

Also make sure to go and visit open houses. As useful as online tools may be, they are not a substitute for seeing the real thing. You actually have to go to different areas and look at different houses to get a better idea of what you want and what is in your range. If you see some things that you really like, this may help motivate you even more to reduce debt and save for your down payment!

Budget for miscellaneous homebuying expenses: Buying a new home entails paying for more than just the house itself. A home inspection, title search, property survey, and home insurance are a few examples, and they can really add up. So start saving now.

Start a home maintenance account: Get in the habit of setting aside a little bit of money each month for things like maintenance, repairs, and emergencies. Problems happen, so it’s best if you’re ready for them rather than scrambling at the last moment.

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6 months before moving

Collect your loan paperwork: Banks are very particular when it comes to mortgage loans and they demand a lot of paperwork. Some of the things they’ll want include:

  • W-2 forms – usually for the last two to three years
  • Personal tax returns for the past two to three years
  • Your most recent pay stubs
  • Credit card and all loan statements
  • Your bank statements
  • Every place you’ve lived for the past five to seven years
  • Brokerage account statements for the most recent two to four months
  • Most recent retirement account statements, i.e. 401(k)

If you begin to collect these documents early, it’ll ease the stress when it’s finally time to get your loan. Reminder: check your loan documents and keep remembering to save and budget accordingly.

3 months before moving

Find the Right Agent: Now is the time to sit down with agents you are interested in working with. Your agent will work in your best interest to assist in finding you the right property, negotiating with the seller’s agent, and guide you through the closing process. It is important to keep interviewing Realtors until you find someone you are happy with. This person will be helping you negotiate what could be your biggest financial decision. Chose someone who you not only trust, but is knowledgeable, responsive, and you know will be looking out for you at the closing table. Read agent reviews online and ask for a reference list of their past clients. No one knows an agent better than the people who have worked with them!

At Coastal Premier Properties, we have over one hundred agents and we will match you with an agent that is your perfect fit!

Research Lenders: Your agent can also help you greatly in finding the right lender. Just like agents, talk to a few lenders until you find one you like. You will want to make sure your lender has experience representing people just like you! You can also look for a mortgage broker, who will help you find compare loan rates from multiple lenders, whereas a bank can only offer you their own in-house products.

2 months before moving

Get pre-approved for your loan: If you’ve been following this guide for the past 9 months, then your credit score, paperwork, and down payment should all be on track. You’ve done all your research on lenders and buyers’ agents. Now it’s finally time to start working with them. First of all, you’ll need to get pre-approved for a mortgage.

Make an appointment with your lender or mortgage broker and make sure to bring all of your paperwork. They will run a credit check on you and tell you the amount of the loan you are approved for. Usually people borrow less than the maximum allowed for standard of living purposes. Create a new budget that accounts for your projected mortgage payments, insurance, maintenance, and whatever else you currently have going on in your life.

Start shopping for your new home: When you get pre-approved, the buyer’s agent you’ve been working with will be able to better target homes that meet your goals and that are in your price range. This way you can narrow down your options to what is most realistic.

Get a home inspection: Once the offer is accepted, one of the first things you need to do is have a home inspector go and look at the property. The home inspector ensures that everything is good with the home and that nothing requires repair, which is something that can delay closing.

In the last month

Check to make sure that all of your financial documents are in order and review all lending documents before closing (AGAIN!): You’re almost there! If you’ve been following all of these steps, then the final stretch should be very easy compared to the rest of the process. Make sure your agent helps guide you through the mortgage documents, as that can be one of the most confusing aspects of the process.

Get insurance for your new home: Make sure to get insurance before closing. You must have proof of insurance before closing time.

Do a final walk-through: Do one last walk-through of your soon to be new home, usually a couple days before closing, just to make sure that everything is in the order that you and the seller have agreed upon in the deal.

Get a cashier’s check or bank wire for cash needed at closing: Make sure that you get the exact amount of cash needed for closing. You’ll receive that number a few days before closing. Regular checks are not accepted.

That’s it! You’re finally done, enjoy your new home!

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Design Trends: Hexagon Tile Patterns

Nowadays, the regular old subway tile just won’t cut it anymore.  We might feel the need to spice up our humble-abode to give it that fresh look! Playful tile shapes, like the hexagon, can give any room a bold look that will leave guests gazing. Use this shape for kitchen back-splashes, flooring throughout the home, and bathroom design. Take a look at a few of these hexagon tiles for inspiration! All images via our Pinterest

pretty teal tile in the kitchen

Hexagon i vit och grön marmor hos Stonefactory.se

California Bungalow Home Tour: http://www.stylemepretty.com/living/2015/10/09/california-bungalow-home-tour/ | Design & Styling: Cecy J Interiors - http://cecyj.com/

Clad in black hexagon floor tiles accented with white grout, this well appointed mudroom features a river rock boots tray placed beneath a built in wood bench fixed against a white shiplap backsplash fitted with oil rubbed bronze hooks mounted under white overhead shelves stuffed with wicker baskets.

White Marble Hexagon Tile from British Ceramic Tile. These tiles are a great option if you want the marble look in your kitchen but without the maintenance of a marble worktop.

figr architects / bridge house, melbourne                                                                                                                                                                                 More