Activities & Events Calendar for November 2017 in San Diego County

Activities & Events in San Diego County for November 2017.

Nov. 1-27 Del Mar Fall Racing

Nov 3-12 – San Diego Beer Week

Nov 4-5 – Renaissance Fair in Escondido

Nov 5 – Daylight Savings time change

Nov 11 – Veterans Day Parade

Nov 17 – Music by the Sea Concerts in Encinitas

Nov 19 – Mother Goose Parade in El Cajon

Nov 23 – Turkey Trot Fundraiser in Oceanside

And many more Activities & Events around San Diego County…

Calendar of Events Nov 2017

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Equifax Data Breach and What You Should Do

Half of the people in the US had their full credit records stolen in the Equifax data breach.

Which half are you in and what do you do?

There has been a lot of news around about the Equifax security breach that left over 140 million people in the US at risk of credit and identity theft problems.

You can go to the Equifax site and provide your name and the last 6 digits of your SSN and they will tell you that you probably are at risk and offer you 1 year of their free credit monitoring service. Then next year they will ask you to pay for it. If you don’t trust them (who would now) you can call my friend Linda Bodiker with Legal Shield and IDShield at (760)802-6184 or

Equifax Data Thief

According to most articles…
1 – The best protection is to freeze your credit account at each of the credit services…Equifax, Experian & TransUnion. There will be a small charge to unlock and relock but much less than the headaches of ID theft.

To freeze your credit reports, you need to contact each of the three credit reporting bureaus via phone or their online forms:
Equifax — 1-800-349-9960
Experian — 1 888 397 3742
TransUnion — 1-888-909-8872
You may also pay a fee, ranging from $5 to $10 per bureau, depending on your state. If you’re a victim of identity theft, you can get a credit freeze for free if you can provide a copy of your police report or other supporting documents required by your state. Additionally, some states grant discounts to seniors over 65 and minors.
When the credit freeze takes effect, each bureau will send you a confirmation letter with a PIN code or password. Keep these in a secure place since these codes are required to lift the freeze. In most states, a credit freeze will remain on an account until it is lifted by the account holder.

Or you can place a fraud alert for free with Experian, Equifax or TransUnion®. When you request that a fraud alert should be added with any of the three major credit bureaus, the bureau you contacted will notify the other two and alerts will be added with those bureaus as well. A fraud alert (also known as an initial security alert) will warn lenders that you may have been a fraud victim. This extra precaution will notify the potential lender that they should take additional steps to verify your identity before granting any new line of credit in your name. The fraud alert will stay on your credit report for 90 days, and you can renew it when it expires. A little more work but it is free and easier for you to change.

2 – Go to and request a free copy of your credit report and score each year. But if you check one of the 3, every 4 months, you can check for fraud and theft 3 times a year.

3 – Closely monitor your bank and credit card accounts for suspicious activity. Also, watch your Health Insurance for suspicious claims and tax returns.

4 – Block electronic access to your Social Security Number at

5 – Be even more alert for Phishing Scams, especially if coming from what appears to be Equifax.

6 – Change your passwords or invest in password protection software like LastPass.

The New York Times had a good article on Equifax.

Kim Komando has several articles about Equifax on her site at
She has a very informative site about all things technology (just too much click bait on her site).

Check out my previous blog on Credit Repair at 

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How To Maintain Your Credit In a Scary World

How To Maintain Your Credit

Maintain Low Balances on ALL  your Credit Cards and Revolving Lines of Credit. (Keep them under 1/3, even if you pay them off each month.)

Setup Automatic Bill Pay.

Keep Rate Shopping within a 30-day Window.

Reconsider Closing Accounts.

Contact Experian about their Breach



I have a contact that can help you get eliminate old consumer debt along with some school loans.  Call me at 760-212-8225 for her information

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California Fire Disaster Resources

Here are many California Fire Disaster Resources and tips.

Please feel welcome to e-mail me with additional resources.

1 – Get prepared to evacuate.

2 – Evacuate when told or sooner. Find shelters.

3 – I’m passing this info on from a retired Fremont police officer. She was a victim of the Oakland hills fire years ago and here is some information that helped her out.
(1) Contact their insurance companies. Most will cover hotel stays, apart from the usual coverage. Call them immediately and get your claim started as soon as you know you have a loss.  They can issue checks immediate checks for temporary housing.
Get a picture of your home confirming it’s a loss. DO NOT try to get one if it is unsafe, but if you have one, get this started.
(2) Call their credit card companies and have the last 3-6 months of their purchases reimbursed back (get a police report that testifies you are a fire victim).
(3) If you are renting and are a minor, your parents’ home insurance may cover your belongings (this is how I got my stuff reimbursed through my parent’s home insurance even if they lived 300 miles away at that time).
(4) Call your chain retail stores and see what they can offer to fire victims (I remember GAP gave away free clothes to fire victims up to $500 per person…yes my roommates and I were like walking GAP ads and literally that was all the clothes we had).
(5) Get as many resources and information as you can and keep passing the info around. You will see the kindness of strangers and the familial treatment of friends.

Here is a list of Fire Disaster Resources I found to assist you, friends or family that have gone thru a disaster.

Apply for FEMA Disaster Relief Funds
Those affected by the California wildfire should apply for assistance by calling toll-free to (800) 621-FEMA (3362).  Disaster victims may register by calling this number. You do not have to wait to go to a disaster assistance center. The number for speech and hearing impaired individuals is (800) 462-7585.  Federal disaster assistance available for residents and businesses in the affected counties includes temporary housing assistance, disaster loans and other needs assistance grants.

FHA Mortgage Insurance for Disaster Victims
The Section 203(h) program allows the Federal Housing Administration (FHA) to insure mortgages made by qualified lenders to victims of a major disaster who have lost their homes and are in the process of rebuilding or buying another home.

Governor’s Office of Emergency Services
The California Office of Emergency Services provides information and links to various sites for information about assistance programs for wildfire victims.

State and federal agencies and disaster relief organizations have begun to set up disaster hotlines to help victims of the recent devastating firestorms in California.

Emergency Services Government Agencies

Federal Emergency Management Agency (FEMA) Disaster Hotline
800 621.FEMA
800.462.7585 ( TTD)
Contractors State License Board (Sacramento)
800.962.1125 (victims)
Department of Consumer Affairs
Department of Insurance
800. 927.4357
Internal Revenue Service (Federal Income Tax)
Franchise Tax Board (California Income Tax)

Legal Services

Contact local bar associations for referrals and any available emergency services, for example:
Los Angeles County Bar Association
San Bernardino County Bar Association
San Diego County Bar Association
Ventura County Bar Association
C.A.R. members may contact the Member Legal Hotline 213.739.8282

Loan Information

Small Business Administration (SBA)
Community Development Block Grant Program (Department of Housing and Urban Development)

Here is a link about the legal issues for current buyers and sellers and tenants that have fire damage.  This was put out by the California Association of Realtors and may only be able to be opened by a CAR member. If that is the case, contact me or your local REALTOR.  Firestorms: Basic Real Estate Legal Issues

Beware of fake charities and GoFundMe pages.

Please feel welcome to forward these Fire Disaster Resources to friends, relatives, Realtors and anyone who may benefit from this information.

Our prayers go out to the people who lost homes, businesses, possessions and loved ones.

Coffey Park Fire Aftermath

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Community Resource Center Holiday Baskets Drive

Community Resource Center Holiday Baskets Drive Donation List

Please bring one or more of the following items to

Olivenhain Meeting Hall & Old Schoolhouse
423 Rancho Santa Fe Road
Olivenhain, CA 92024
Monday, November 20th from 4 PM to 7 PM
We will deliver all the donations so they can be added to the 1000+ baskets for those in need.  Tax Donation forms will be available if you want the writeoff.

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Moving With Kids

Why People Move With Kids?


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Activities & Events Calendar for October 2017 in San Diego County

San Diego County Activities & Events Calendar for October 2017

So many wonderful things to do in October.

Calendar Of Events for Oct 2017



Make many Great Memories this month.

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The San Diego Home Buying Process

Home Buying Process for San Diego County.

1 –  Do your Homework.

A – Where do you want to live

B – What do you want in a home?

C – What are the Deal Breakers?

2 – Get Pre-Approved for your Mortgage

A – Make sure your Credit is in good shape.

B – Avoid making large purchases.

C – Avoid opening new credit lines.

3 – Start Your Home Search

A – Call Dennis Smith at 760-212-8225

B – Download Free Home Search App



Just Call Dennis Smith at 760-212-8225 to be your guide.

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Boost Your Home’s Online Appeal with Pro Pictures

Boost Your Home’s Online Appeal with Professional Pictures

5 Keys to Great Listing Photos

1 – Shoot in the Morning or Late Afternoon.

2 – Focus on the Details.

3 – Shoot from Different Angles.

4 – Tell a Story thru Staging

5 – Hire a Professional


Point 5 is very important.
All my listings have Professional Pictures.

Call me at 760-22-8224 when you are thinking about selling your home.
This is just a small part of what we do.

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Hottest Landscaping Trends for 2017

Several Landscaping Trends to consider for 2017

1 – High-Tech Firepits

2 – Low Maintenance Landscape

3 – Outdoor Lighting

4 – Natural-Looking Materials

5 – Interiorscapes


Hottest Landscaping Trends for 2017


Please feel welcome to call me at 760-212-8225 if you need a good Landscape Architect or Designer.

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