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  • Can I use my 401K to buy a house?

    Elisabeth Lentulo|Updated Jan 10, 2024

    FALLBROOK – Achieving homeownership is an aspiration for many Americans, yet it can pose considerable challenges. If you find yourself lacking funds for a down payment, one alternative is to utilize your 401(k) for the purchase of a house. Yes, in certain situations, you can use your 401(k) to buy a house. The Internal Revenue Service (IRS) allows for penalty-free withdrawals from your 401(k) for a first-time home purchase. Here are some key points to consider: First-time...

  • Review of all things Real Estate

    Bob Hillery, CR Properties|Updated Jan 4, 2024

    Belated Merry Christmas and Happy New Year. My last article closed with a note that I would be absent from writing my weekly article until after the holiday season. I did, however, keep up with my reading and kept my finger on the pulse of real estate so when I returned I would have current information to share. To catch everyone up, the Market Activity Report remained steady since my last article in mid-December, hovering between 43-44. As previously discussed, that puts our...

  • Fighting to reduce water bills has been the focus of 2023 for FPUD

    Updated Dec 28, 2023

    FALLBROOK – This year, we at the Fallbrook Public Utility District have been concentrating on doing everything we can to save you money. We've heard you, our customers, say that water costs are too high – unsustainable. We listened. And four years ago, we set out on a course to make a change. A big one. We began working together with Rainbow Municipal Water District to change water suppliers – a move that will save both districts about $7.6 million a year. It was a feat...

  • Time to replace old wiring?

    Updated Dec 28, 2023

    Old homes can be charming and contain architectural elements not often seen in many modern housing developments. But what older homes may have in design appeal, they may lack in updated features. While cosmetic changes are not necessarily difficult, one area of concern in historic homes – and sometimes even in houses built 40 or 50 years ago – is archaic wiring. Wiring provides power to every room of the home. In today's electronics-driven society, electricity that works is an essential component of daily life. Over...

  • Mid-year budget adjustments fund river park, community center park

    Updated Dec 28, 2023

    Joe Naiman Village News Reporter The mid-year budget adjustments approved Tuesday, Dec. 5, by the San Diego County Board of Supervisors established additional funding for the future San Luis Rey River Park and the Fallbrook Community Center park. The supervisors’ 5-0 vote budgeted additional amounts of $2,653,624.63 for the river park and $100,000 for the community center park. The action also corrected an insufficient appropriation to the North County Fire Protection district from assessments collected from the Horse...

  • RMWD approves lift station construction management contract change order

    Updated Dec 28, 2023

    Joe Naiman Village News Reporter The Rainbow Municipal Water District board approved a change order to the construction management contract for the replacement of Lift Station No. 1. The board’s 5-0 vote authorizes a change order with Valley Construction Management which adds $216,413 to the contract amount. The change order also extends the contract term through March 29, 2024. Lift Station No. 1 is off of Old River Road and delivers sewage effluent to the City of Oceanside, which has an ocean outfall. The package lift...

  • Tommy's Restaurant

    Updated Dec 21, 2023

    Tom Frew Courtesy of the Fallbrook Historical Society Tommy was Thomas Elias Morris (1878-1966), an England born long-time resident of Fallbrook. The first mention of Tommy's Restaurant is when the Fallbrook Chamber of Commerce announced a luncheon meeting at Tommy's on October 22, 1935. (1) Tommy's began as a small café renting a narrow space in what was then known as the Tiffany building just a few feet away from the coffee shop located in the southeast corner of the older...

  • How to care for fresh holiday wreaths

    Updated Dec 21, 2023

    Majestic Christmas trees garner the lion’s share of the decorative fanfare when the holidays arrive. Trees may be the focal points of holiday decor, but the humble wreath adorning the front door is the first decoration guests are likely to see when visiting a home. Wreaths may need some care to maintain their beauty all month long. Here are some tips to help holiday wreaths last as long as possible. Choose a wreath wisely When shopping for a wreath, choose freshly cut greenery that you assemble yourself; otherwise, look...

  • Pepper Tree/Calavo speed limit to be lowered

    Updated Dec 21, 2023

    Joe Naiman Village News Reporter The speed limit on Pepper Tree Lane and Calavo Road between McDonald Road and Stage Coach Lane will be lowered. A 4-0 San Diego County Board of Supervisors vote Wednesday, Dec. 6, with Terra Lawson-Remer absent, approved the first reading and introduction of an ordinance to reduce the speed limit from 40 mph to 35 mph and certify the new speed limit for radar enforcement. The second reading and adoption of the ordinance is scheduled for Wednesday, Jan. 10. If the second reading and adoption...

  • Supervisors increase security bond amount, grant time extension for Palisades Estates

    Updated Dec 21, 2023

    Joe Naiman Village News Reporter The San Diego County Board of Supervisors approved an increase of the security bond amount for the Palisades Estates subdivision which includes a portion of the Bonsall Community Planning Area while also extending the time to complete the required improvements. The supervisors voted 4-0 Wednesday, Dec. 6, with Terra Lawson-Remer absent, to approve the amendment to the security agreement. The time extension creates a Dec. 6, 2025, deadline to complete the infrastructure improvements although...

  • Review of all things Real Estate: Is the housing market going to crash?

    Bob Hillery, CR Properties|Updated Dec 13, 2023

    I get these questions a lot. When will housing prices fall? Will there be a housing market crash? When is the best time to purchase a house? Everything I read and listen to indicates that “no,” there isn’t going to be a housing market crash. Prices may flatten if mortgage interest rates rise and continue to lock buyers out of the market but even that is a changing dynamic as rates have dropped from +8% to currently in the low 7%, and even into the high 6% with certain go...

  • FCPG approves PLDO priority recommendations

    Updated Dec 13, 2023

    Joe Naiman Village News Reporter The Fallbrook Community Planning Group approved a priority list for Park Land Dedication Ordinance funding. The planning group’s 14-0 vote Monday, Nov. 20, with Tom Harrington absent, approved a prioritized list of recommendations which will be provided to the county’s Department of Parks and Recreation. “Looking forward to having some of them implemented,” planning group chair Eileen Delaney said. Park Land Development Ordinance fees are collected from developers to fund park...

  • RMWD approves change order for Live Oak Park bridge brackets and pipe supports

    Updated Dec 13, 2023

    Joe Naiman Village News Reporter The Rainbow Municipal Water District and Hazard Construction reached an agreement on compensation for change orders on the project to relocate the Rainbow water mains along the Live Oak Park bridge, and the Rainbow board approved a change order compensation agreement Dec. 5. The 5-0 vote approves a change order with Hazard Construction for $232,500. The change order agreement also modifies the work completion date. The work was to have been completed Sept. 8 prior to delays caused by the...

  • Key Analytics to prepare BUSD developer fee justification studies

    Updated Dec 7, 2023

    Joe Naiman Village News Reporter The State of California periodically adjusts the maximum developer fees a school district can charge, but the school district must have a study which demonstrates a reasonable relationship between the additional development and the need for additional school facilities. Key Analytics will be preparing a pair of justification studies for the Bonsall Unified School District. The BUSD board voted 4-0 Nov. 15, with Pascal Lapoirie absent, to enter into a professional services agreement with Key...

  • 'The 12 Days Of Taxes' is a holiday reminder that property taxes are due on/before Dec. 11 Paying by e-check is fast, free

    Updated Dec 7, 2023

    SAN DIEGO – San Diego County Treasurer-Tax Collector Dan McAllister is reminding property owners that there are 12 days until the Monday, Dec. 11, deadline to pay property taxes. The total amount owed is $8.63 billion dollars, $566 million more than last year’s total of $8.1 billion. “The deadline to pay property taxes is 12 days away, so we call this time of year ‘The 12 Days of Taxes,’ since there are 12 more days to pay without getting a penalty,” McAllister said. The 1,013,632 secured tax bills...

  • Review of all things Real Estate: What they did (or didn't do) and what happened?

    Bob Hillery, CR Properties|Updated Dec 7, 2023

    In this weekly article, I have lamented what appeared to be seemingly capricious action by the Federal Reserve Board regarding monetary policy (versus fiscal policy, aka government controlling its spending) to try to curb inflation and get it down to 2%. I have expressed concern that it will take 12 months for changes to manifest and, since we have endured 12 Prime Rate increases in the last 13 months, it occurs that there hasn’t been sufficient interval time to analyze the...

  • Affordable updates for home sellers

    Updated Dec 7, 2023

    Jane Kepley Special to the Village News It can be a good idea to update your home a bit before putting it on the market. Making some updates could mean better photographs and a more eye-catching listing – plus, it could help your home sell faster or for a higher price. Still, home projects can add up, and you may not want to spend a lot on a home you’re ready to list. Fortunately, there are lower-cost ways to improve your house prior to selling. Try one or more of these options: • Add curb appeal. You don’t have to...

  • D'Vine Path promotes pollinator habitats with MRCD

    Updated Nov 29, 2023

    FALLBROOK – D'Vine Path is constantly evolving in order to better accommodate and educate its students. Recently, the nonprofit partnered with the Mission Resource Conservation District (MRCD) in a Xeriscape Project to promote pollinator habitats through native plants. According to MRCD Natural Resource Programs Manager Lisa Dibbell, xeriscaping is a landscaping design practice that strives to conserve water by reducing or eliminating the need for supplemental irrigation. Th...

  • Review of all things Real Estate:Conflicting opinions

    Bob Hillery, CR Properties|Updated Nov 29, 2023

    This week’s article is a conglomeration of comments and thoughts from several prominent real estate economists. It’s interesting that highly educated people don’t always agree, and in some cases, they appear to have conflicting opinions of the same data. The comments from Lawrence Yun actually appear to conflict his own statements when he cites that “buyers recoiled in shock at the highest mortgage interest rates in a generation,” but then he reiterates that we are...

  • NCFPD approves pre-paid purchase agreement for Type 1 fire engine

    Updated Nov 29, 2023

    Joe Naiman Village News Reporter The North County Fire Protection District approved a purchase agreement for a new Pierce Type 1 fire engine. The NCFPD board voted 5-0 Nov. 14 to purchase the engine from South Coast Fire Equipment, Inc. Although the fire engine will not be delivered until 2027, the NCFPD board approved pre-payment which will cost the district $975,256.89 including sales tax and fees. “That will ultimately save the district over $150,000,” said NCFPD Fire Chief Keith McReynolds. Type 1 trucks are designed...

  • Five questions to ask when hiring movers

    Jane Kepley, Special to the Village News|Updated Nov 24, 2023

    Moving can be a hassle. There’s so much to do between the packing, the hauling and the loading – especially while tending to the other facets of moving to a new home, like setting up utilities and modifying the space. Fortunately, hiring professional movers can help by taking a huge burden off your shoulders and ensuring your prized possessions are moved safely and with the utmost care to your new destination. But you do want to choose a reliable company. If you’re...

  • BUSD updates facility use fees

    Updated Nov 24, 2023

    Joe Naiman Village News Reporter Local groups may rent Bonsall Unified School District rooms or fields if the use doesn’t conflict with BUSD activity, and the facility use fees for such rental were updated during the Oct. 18 BUSD board meeting. The 5-0 vote approved a new application packet including the fee schedule. Local Bonsall clubs or other organizations, with “local” defined as a majority of participants being Bonsall residents, pay a direct cost fee which covers utilities, supplies, and custodial needs....

  • Supervisors seek SALC grant to acquire Sam's Mountain Ranch ag easement

    Updated Nov 24, 2023

    Joe Naiman Village News Reporter The County of San Diego has a Purchase of Agricultural Conservation Easement program which compensates willing property owners for placing an agricultural easement on their property which would limit future uses and eliminate future development. The State of California has a Sustainable Agricultural Lands Conservation program which provides agricultural conservation acquisition and planning grants. The Nov. 7 meeting of the San Diego County Board of Supervisors included a 4-0 vote, with one...

  • Review of all things Real Estate:

    Bob Hillery, CR Properties|Updated Nov 24, 2023

    “My PCA and I are going to be evicted soon. I let vultures buy my home with very little profit left for myself. It was my Mom’s home and she owed more than I originally thought.” I read this in an online community forum the other day and the thought came to my mind that the “vultures” were either i-Buyers or flippers. To refamiliarize readers, i-Buyer are investors who make a lot of money when the stock market was riding sky high, and they want to reinvest. They...

  • Top red flags in home purchase

    Updated Nov 15, 2023

    FALLBROOK – In this article, we’re sharing with you how to know if you’re looking at your new home sweet home or a nightmare waiting to happen. While many of these issues have quick and efficient solutions, they are important considerations when making a home purchase. Always check with your Realtor on how best to proceed if you encounter one of these red flags. Physical structure issues How to detect this red flag: Check for cracks in the foundation, sloping floors, or noticeable structural damage that can be costly...

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