San Diego Jazz Fest  and Swing Extravaganza | Nov. 27-Dec. 1
Jazz bands and musicians from across the U.S. will perform. Festival presentations include great variety: trad, swing, boogie-woogie, ragtime, dixieland, gospel, rockabilly. 
Time/Place: Town and Country Resort & Convention Center 
Contact: 619-297-5277 / www.sdjazzfest.org

SoNo Fest & Chili Cook-Off | Dec. 1
SoNo Fest is an all volunteer run, locally-focused street festival featuring a 40-restaurant chili cook-off; 24 craft beer, wine and spirits makers in a huge beer garden; 30 local handmade vendors, a food truck court, live music on three stages and a kids fest! All proceeds from this event, in its 10th year, benefit McKinley Elementary. 
Time/Place: 11am-5pm / 32nd and Thorn, North Park 
Contact: www.sonofestchilicookoff.com

La Valencia Hotel Tree Lighting | Dec. 5
Time/Place: 5:30-8pm / 1132 Prospect Street, La Jolla 
Contact: 855-476-6870 / www.lavalencia.com

Coronado Christmas Parade & Open House | Dec. 6
Festivities kick off with Santa Claus arrival by ferryboat at 3:20pm, followed by frosty fun on Snow Mountain until 7pm and carolers at the Coronado Ferry Landing. Other highlights include a popular Holiday Parade at 6pm and Merchants Open House 5-9pm down Orange Ave., a traditional Christmas tree lighting at 7pm and community band concert in Rotary Park. 
Contact: 619-435-9260 / www.coronadochamber.com

Alpine Parade of Lights & Snow Festival | Dec. 6
There will be a visit from Santa and lots of snow! Enjoy various vendors, food, music and fun for the entire family! 
Time/Place: 6-9pm / Alpine Community Center 
Contact: www.visitalpine.org

Balboa Park December Nights | Dec. 6-7
Festive fun, food and attractions throughout the park, including complimentary admission to Balboa Park museums from 5-9pm. 
Time/Place: Fri 3-11pm, Sat 12-11pm / Balboa Park
Contact: www.balboapark.org

US Beach Soccer National Championships | Dec. 6-8
All Pro-Am Beach Soccer events are open to everyone to be part of the growing sport. We want all players, teams, clubs to enjoy the beach and treasure the benefits of playing on the sand. 
Time/Place: Mission Beach: N Jetty Road 
Contact: 415-308-0603 / www.usbeachsoccerchampionships.com

Jingle Bell Run | Dec. 7
The Arthritis Foundation’s original Jingle Bell Run is a fun way to get decked out and be festive, while racing to raise funds and awareness to cure Americas #1 cause of disability. Put on your favorite holiday costume. Tie jingle bells to your shoelaces. 
Time/Place: 6:30-11am / Liberty Station NTC Park 
Contact: https://events.arthritis.org

Red Nose Run | Dec. 7
A holiday 5K that benefits Fresh Start Surgical Gifts and Semper Fi Fund. Your choice of a 3k or 5k run along the beautiful Del Mar beach. Participants are encouraged to dress in their best Holiday apparel and a prize will be awarded for best costume.  
Time/Place: 12:30-4pm / Powerhouse Park, Del Mar
Contact: www.therednoserun.com

Artisans Alley Craft Fair | Dec. 7
More than 160 vendors selling homemade crafts and unique holiday gifts. All proceeds from the fair support the Coronado Band & Choir in the elementary, middle and high schools. 
Time/Place: 9am-3pm / Village Elementary School Coronado  
Contact: http://coronadoartisansalley.weebly.com

Winter Wonderland Festival | Dec. 7
Children will have the chance to frolic in real snow, create winter-themed arts and crafts, and even rendezvous with live reindeer! Food and drink will be available. 
Time/Place: 3-7pm / California Center for the Arts, Escondido 
Contact: www.artcenter.org

Fallbrook Christmas Parade | Dec. 7
A Storybook Christmas A special day in early December when Fallbrook residents and visitors alike come to enjoy this gift to the community from the Fallbrook Chamber of Commerce. 
Time/Place: 5pm / Main Avenue: Ammunition to Ivy 
Contact: www.fallbrookchamberofcommerce.org

Chula Vista Starlight Parade & Childrens Faire | Dec. 7
Gather the gang and enjoy FREE Pictures with Santa, fun holiday games, story time, FREE Snow Hill train rides, bounce houses, festive ornament making, and Elf Yourself station! Fair take place at Memorial Park from 1-5pm. Parade starts at 6pm. 
Time/Place: 1-8pm / Third Avenue Village
Contact: www.starlightparade.com

Little Italy Tree Lighting & Christmas Village | Dec. 7
Enjoy the communitys festive dcor, seasonal vendors, live music and entertainment, horse carriage rides, holiday treats, a tree lighting, a visit from Santa and more! 
Time/Place: 4-8pm / Piazza della Famiglia
Contact: www.littleitalysd.com

Encinitas Holiday Parade | Dec. 7
Thousands of people will be on floats and in bands with tens of thousands more cheering them on. 5pm tree lighting ceremony with a brief appearance by Santa at the Lumberyard. 
Time/Place: 5-7:30pm / Coast Highway 101 
Contact: www.encinitasca.gov

Vista Christmas Parade | Dec. 7
Time/Place: 1-3pm / Historic Downtown Vista Village 
Contact: 760-726-1122 / www.vistachamber.org

OB Holiday Parade | Dec. 7
Point Loma Marching Band, VW Beetle Club and classic Woodies, motorcycles, floats, live music and more. Santa Claus, will be making his appearance. 
Time/Place: 5:05-7pm / Sunset Cliffs Blvd & Newport Ave 
Contact: www.obtowncouncil.org

Makers Arcade Holiday Fair | Dec. 7-8
Local and regional artists, designers, and makers. Guests enjoy a fun and festive opportunity to mix and mingle throughout the day, buy local, and shop small for the holidays while enjoying delicious food, handcrafted cocktails, live music, a photo booth, crafts for all ages, and more. 
Time/Place: 10am-5pm / Port Pavilion at Broadway Pier 
Contact: www.makersarcade.com

La Jolla Christmas Parade & Holiday Festival | Dec. 8
Youll see floats, marching bands, community groups, drill teams, vintage vehicles, horses, and yes ~ a camel. Church bells peal with a fly-over. There is also a Holiday Festival and Tree Lighting Ceremony. 
Time/Place: 1:30-5pm / Girard Avenue & Prospect Street 
Contact: 858-922-4046 / www.ljparade.com

Vista Winterfest | Dec. 8
Live Entertainment & Music, Tree Lighting, Holiday Movies, Roaming Mariachi, Ugly Sweater Contest, Downtown Merchant Storefront Decorations Contest, Homemade Tamales Contest, Holiday Gift Market, Santa, Kids Activities, Arts & Crafts, Local Food & Beer!  
Time/Place: 2-7pm / 25 Main Street 
Contact: www.cityofvista.com

Santa at the Lakes   Dec. 8
Santa Claus, snow sledding, carnival rides, smores, food, face painting, arts, crafts and so much more! 
Time/Place: 10am-3pm / Santee Lakes Recreation Preserve  
Contact: 619-596-3141 / www.santeelakes.com

North Park Toyland Parade & Festival | Dec. 8
Vintage cars, marching bands, dance groups, beauty queens, city officials and Santa Claus. After the parade festivities, make sure to stop by the North Park Christmas Tree Lot at The Observatory North Park parking lot. 
Time/Place: 10am-3pm / University Avenue 
Contact: 619-294-2501 / www.northparkmainstreet.com

Del Dios Trail Half Marathon, 10K and 5K | Dec. 8
All courses feature dirt service roads or single track trails, with elevation gains between 100-500. When hills are present, they are short but steep. 
Time/Place: 6-11am / Lake Hodges Visitors Center, Escondido 
Contact: 720-835-9141 / www.enduranceraceseries.com

Santa by the Sea | Dec. 8
Free pictures with Santa, treats, games and entertainment, plus a holiday tree lighting! 
Time/Place: 3-5pm / LAuberge Amphitheater, Del Mar 
Contact: 858-735-3650 / www.visitdelmarvillage.com

San Diego Bay Parade of Lights | Dec. 8 & 15
A time-honored holiday tradition with more than 80 boats lavishly decorated sailing by the shores for all to see. 
Time/Place: 5-7pm / San Diego Bay 
Contact: www.sdparadeoflights.org

Rawhide Country Christmas | Dec. 12-15
Hay rides, Petting zoo, Photos with Santa, Christmas lights, BBQ dinner, Holiday snacks and refreshments, Rodeo riding and equestrian vaulting exhibitions, Carolers, Live bands, Smores, Christmas carols around a campfire, Arts and crafts fair, Country Christmas gift shop. 
Time/Place: 3-8pm / Rawhide Ranch, Bonsall 
Contact: 760-758-0083 / www.rawhidechristmas.com

La Mesa’s Holiday in the Village | Dec. 13-14
Walk the streets of La Mesas historic downtown and enjoy live music and dance, cozy fires, craft vendors, food, and a kids area with holiday movies and activities. 
Time/Place: 5-9pm / La Mesa Village 
Contact: 619-343-2460 / www.lamesavillageassociation.org

Poway’s Christmas in the Park | Dec. 14
Christmas tree lighting at 5:15pm, followed by the arrival of Santa at 5:30pm. Horse-drawn hay and pony rides, petting zoo, and face painting. Steam locomotive train rides, model trains, and live entertainment. Holiday sweets and warm dinner foods. 
Time/Place: 3:30-8:30pm / Old Poway Park
Contact: www.poway.org

Santa’s Holiday Festival | Dec. 14
Take pictures with Santa and whisper your holiday wishes in his ear. Each family will have the opportunity to make a memorable holiday ornament. 
Time/Place: 10am-3pm / Rancho Buena Vista Adobe, Vista 
Contact: 760-726-1340 / www.cityofvista.com

Lions Tigers & Bears Holiday Open House | Dec. 14
Come watch the animals open their Christmas presents, spend the afternoon at the sanctuary with the man in red – Santa Claus – local food trucks, festive music, and lots of fun! 
Time/Place: 12-4pm / 24402 Martin Way, Alpine 
Contact: 619-659-8078 / www.lionstigersandbears.org

Old Town Las Posadas | Dec. 14
Fiesta de Reyes invites you to enjoy the holiday spirit with festive decorations throughout the park, entertainment, and holiday experiences for the whole family. 
Time/Place: 12-8pm / Old Town San Diego 
Contact: www.parks.ca.gov/?page_id=28348

Oceanside Harbor Parade of Lights | Dec. 14
Fishing boats, sail boats, yachts, kayaks and dingys dressed up in holiday swag. Many of the boats feature people dressed up like Santa waving to the crowd. 
Time/Place: 7-9pm / Oceanside Harbor
Contact: www.oceansideyc.net

Mission Bay Christmas Boat Parade of Lights | Dec. 14
This free, distinctly California celebration features boats decorated for the annual holiday season that will sail around Mission Bay. A highly anticipated event in the San Diego community, dozens of vessels take to the water for the parade. 
Time/Place: 6-9pm / Mission Bay 
Contact: www.mbyc.org

Gaslamp Holiday Pet Parade & Expo | Dec. 15
Pet owners and their furry, feathered, and scaled companions are invited to don their favorite costumes for this jolly promenade and Holiday Pet Market. 
Time/Place: 12-5pm / Gaslamp Hilton Park: 401 K St.
Contact: www.gaslamp.org

San Diego Holiday Half Marathon | Dec. 21
A fast 13.1 mile course that starts in Rancho Penasquitos and finishes at the beautiful Torrey Pines State Beach. 
Time/Place: 5am-12pm / Hotel Karlan: 14455 Penasquitos Drive 
Contact: www.sandiegoholidayhalf.com

Holiday Bowl 5K Run/Walk | Dec. 26
Athletes will run past 100,000 cheering spectators. Runners, families and spectators can watch the remainder of the parade that features floats, bands and huge inflatable characters. 
Time/Place: 9:45am / San Diego Harbor Front
Contact: www.holidaybowl.com

Port of San Diego Holiday Bowl Parade | Dec. 26
Americas Largest Balloon Parade! Marching bands, floats, drill teams and giant balloons parade down San Diegos beautiful waterfront. 
Time/Place: 10am-12pm / Waterfront Park
Contact: www.holidaybowl.com

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Old Town Dia de los Muertos | Nov. 1-3
This free event will include the traditional candlelight procession on November 2nd. The celebration will continue throughout the weekend with street food, vendors and activities on San Diego Avenue. Many Old Town restaurants will be providing special menus and live music, along with activities for the entire family.
Contact: 619-291-4903 / www.oldtownsandiego.org

SD Zoo Safari Park Da de los Muertos | Nov. 1-3
A happy celebration full of mariachi music, dancing and festive entertainment. Shopping, face painting, and, of course, plenty of amazing animals add to this family fun-filled event.
Contact: 619-231-1515 / www.sdzsafaripark.org

Escondido Da de los Muertos Festival | Nov. 1-4
Guests are invited to create altars to remember and honor their loved ones in a special area outside of the Center’s museum. The event also features live music, traditional Mexican fare, sugar skull decorating and more.
Time/Place: 5-9pm / California Center for the Arts
Contact: www.artcenter.org

San Diego Beer Week | Nov. 1-10
A 10-day celebration, promoting more than 130 independent craft breweries in San Diego County. Events are held throughout SD County at participating breweries, bars and restaurants.
Contact: 858-581-7368 / www.sdbeer.com/sdbw

Escondido Tamale Festival | Nov. 2
Traditional, gourmet and vegetarian tamales. Craft brews and wine garden. Grand stage featuring Mariachis, Folklorico, Aztec and Latin dance performances. Hispanic heritage exhibits and low rider car show.
Time/Place: 11am-5pm / Grape Day Park
Contact: www.escondidotamalefestival.org

Bike the Coast | Nov. 2
Experience gorgeous riding on the Southern California coast with 100, 50 or 25-mile routes on Highway 101. Food, music, expo, shopping and fun!
Time/Place: 8am / Oceanside Pier
Contact: www.spectrumsportsevents.com

Carrera de los Muertos San Diego | Nov. 3
Enjoy a festive and scenic 5k or 10k run along San Diego Bay and stay to celebrate with mariachi, dancers and comida deliciosa!
Time/Place: 6:45am-12pm / Embarcadero Park South
Contact: www.losmuertos5k.com

Fallback Festival | Nov. 3
Travel back in time to enjoy our old west town! Pan for gold, saddle up on pony rides and enjoy live entertainment.
Time/Place: 11am-4pm / Gaslamp Museum at the Davis-Horton House
Contact: 619-233-4692 / www.gaslampfoundation.org

Carlsbad Fall Village Faire | Nov. 3
Over 800 vendors will sell everything from clothes and accessories to plants, household products, art, antiques and home decor. The international food court will feature more than 50 booths. The children’s area will entertain youngsters.
Time/Place: 8am-4pm / Grand Avenue between Carlsbad Blvd. & Jefferson St.
Contact: www.kennedyfaires.com/carlsbad

Fleet Week San Diego | Nov. 4-12
Honor and celebrate the men and women of the military through events that entertain and alliances that thank and support these heroes.
Time/Place: See website for schedule of events.
Contact: 619-858-1545 / www.fleetweeksandiego.org

Coronado Island Film Festival | Nov. 8-11
Parties, panels, exhibits, workshops, special events and a wide variety of films by filmmakers from every level of the craft, from emerging student to seasoned pro.
Contact: www.coronadoislandfilmfest.com

Ride the Point Memorial Charity Bicycle Ride | Nov. 9
Ride the Point encompasses the most picturesque natural coastline in Southern California on exclusive routes along San Diego Bay and the Pacific Ocean.
Time/Place: 6am-12pm / Liberty Station
Contact: www.ridethepoint.org

Celebrate East County | Nov. 9
Wine, beer and food tastings provided by local merchants. Music by: British Mania and Summer Love.
Time/Place: 1-5pm / 405 Ballad Street, El Cajon
Contact: www.eastcountychamber.org

UH Arts Open & Taste of University Heights | Nov. 10
Stroll through the quaint neighborhood sampling delicacies from University Heights’ diverse restaurants and enjoy a free self-guided tour of the arts.
Time/Place: 11am-4pm / Buddhas Light Bookstore: 4538 Park Blvd.
Contact: 619-297-3166 / www.uharts.org

Nason’s Doggy Draft | Nov. 10
We’re partnering with the San Diego Humane Society for a day filled with fuzzy faces, sloppy kisses and puppy touchdowns.
Time/Place: 11am-2pm / Nason’s Beer Hall: 570 J Street
Contact: www.pendry.com

Silver Strand Half Marathon, 10 Miler & Veterans Day 5K | Nov. 10
Run, walk, skate, roll, elliptiGO with the waves of the Pacific Ocean on your right. The ONLY Run with the waves of the Pacific Ocean on your right and the San Diego Bay on your left, finishing with a California Beach Party!
Time/Place: 7-11:30pm / Sunset Park, Coronado
Contact: 858-268-1250 / www.silverstrandhalf.com

San Diego Bay Wine & Food Festival | Nov. 10-17
Featuring dozens of events, hundreds of domestic and international wineries, the celebration of craft beer and spirits, local culinary legends and nationally recognized celebrities and a Grand Tasting Finale.
Time/Place: Embarcadero Marina Park North
Contact: www.sandiegowineclassic.com

San Diego Veteran’s Day Parade | Nov. 11
See over 4,000 veterans, active military, bands, floats and civic groups celebrate Veteran’s Day.
Time/Place: 10am-12pm / San Diego Embarcadero
Contact: 619-804-3200 / www.sdvetparade.org

Poway Veterans Day Ceremony | Nov. 11
Join VFW Post 7907 and the Poway Veteran’s Park Committee for a ceremony to honor those who selflessly served our country.
Time/Place: 11am / Veterans Park
Contact: www.poway.org

Padres Pedal the Cause | Nov. 13-17
One of the top 15 cause-related cycling events in the country, bringing together a community of over 3,500 passionate riders, walkers and spinners to help find cures for cancer. There is also a 5k Walk/Run, Spin Classes and a Kids Challenge.
Time/Place: 8am-12:30pm / Petco Park
Contact: 619-510-4955 / www.gopedal.org/ridesandiego

Breast Cancer Cheering Station | Nov. 15
We will have a water, music and cheer station to root on the walkers, who will start their journeys at the Del Mar Fairgrounds. Volunteers decorate the street with pink balloons and ribbons, and hand out water to each walker.
Time/Place: 7:30-8:45am / Camino Del Mar
Contact: www.visitdelmarvillage.com

Bikes & Beer San Diego | Nov. 16
Ride 15 or 30 miles through the city of San Diego with a large group and enjoy some of the best sights of the city! The event benefits BikeSD to improve cycling conditions in San Diego. The post-ride festival will feature live music, food trucks, outside games and free beer!
Time/Place: 9:30am / Societe Brewing: 8262 Clairemont Mesa Blvd.
Contact: www.bikesandbeers.com

Wonderfront Music & Arts Festival | Nov. 22-24
A highly-anticipated 7+ stage, 95+ bands, 3-day music, culinary and arts festival. The festival offers diverse attractions including yacht parties, water sports, art installations, after-parties, a craft beer village and plenty of local flavors.
Time/Place: Broadway Pier to the Embarcadero Parks
Contact: 619-340-1070 / www.wonderfrontfestival.com

Mother Goose Parade | Nov. 24
The parade entries include spectacular motorized floats, glorious marching bands and drill units, eloquent equestrians, animated clowns, special characters, special guests, performing artists, celebrities, giant helium balloons, specialty vehicles, and of course, Santa Claus.
Time/Place: 1-3pm / El Cajon Blvd & W Main St
Contact: 619-333-0771 / www.mothergooseparade.org

Encinitas Holiday Street Fair | Nov. 24
With 450+ booths, plus dozens of unique downtown retailers. Enjoy music in The Lumberyard Courtyard and dance, music and other entertainment on the Community Stage next to Ace Hardware. Take your young ones to the Kids Zone and walk your furry friends into Dog Zone.
Time/Place: 9am-4pm / Coast Highway 101 between D and J Streets
Contact: 760-943-1950 / www.kennedyfaires.com/encinitas

San Diego Jazz Fest and Swing Extravaganza | Nov. 27-Dec. 1
Jazz bands and musicians from across the U.S. will perform. Festival presentations include great variety: trad, swing, boogie-woogie, ragtime, dixieland, gospel, rockabilly.
Time/Place: Town and Country Resort & Convention Center
Contact: 619-297-5277 / www.sdjazzfest.org

Running of the Turkeys 10K Trail Run | Nov. 28
The course will take you through beautiful Penasquitos Canyon. NO official entry fee; we would truly appreciate a minimum $20 donation for our partner charity Operation Rebound, a branch of the Challenged Athletes Foundation.
Time/Place: 7:30-10am / Torrey Hills Neighborhood Park
Contact: www.gutcheckfitness.com/turkey-trot-10k

Oside Turkey Trot | Nov. 28
10k Run, 5K Run/Walk and Senior 1 Mile. Event offers a costume contest, fabulous live entertainment on the course and finisher medals for all participants. Free digital photos, medals, shirts and timing to all registered participants. The event has raised over $321,500 for non-profits that serve Oside residents.
Time/Place: 6:45-11:30am / Oceanside Civic Center
Contact: 760-434-5255 / www.osideturkeytrot.com

San Diego Run for the Hungry 5K & 10K | Nov. 28
Benefiting the Jacobs & Cushman San Diego Food Bank. An added bonus to the event includes the participation of dogs, and each registered dog receives a bandana and dog treats along the course.
Time/Place: 7-10am / Westfield Horton Plaza Mall
Contact: www.sdrunforthehungry.org

Fallbrook Thanksgiving Day Turkey Trot | Nov. 28
Our goal is to raise funds for the Fallbrook Land Conservancy, Fallbrook Animal Sanctuary and the Fallbrook Community.
Time/Place: 8-10:30am / Grand Tradition Estate & Gardens
Contact: 760-468-0322 / www.fallbrookturkeytrot.com

Thank You Run 5K/10K and Kids Run | Nov. 28
Raises funds for Helen’s Closet and San Diegans suffering with ALS. All participants will receive a tech t-shirt, finishers medal and one beer ticket for the beer garden (21+).
Time/Place: 7-10am / 4S Ranch Community Park
Contact: 858-449-1101 / www.sandiegorunningco.com/thankyourun

Coronado 5K Turkey Trot | Nov. 28
Join the Coronado Unit of the Rady Children’s Hospital Auxiliary for our 5K to benefit Rady Children’s Hospital.
Time/Place: 8-11am / Tidelands Park
Contact: www.runsignup.com

Surfin Santa Arrival | Nov. 30
Visitors can pose for free pictures with Santa on his giant surfboard, riding a six-foot wave. A festive parade along the boardwalk, live street performers and a wide variety of unique, local shops will keep visitors busy throughout the event.
Time/Place: 1-5pm / Seaport Village
Contact: 619-530-0704 / www.seaportvillage.com

Julian Country Christmas Tree Lighting | Nov. 30
The holiday season in Julian offers an opportunity to shop at small boutiques and craft shows, without crowds or lines, for one-of-a-kind gifts. Be in Pioneer Park By 5:30pm to be sure you do not miss the tree lighting.
Time/Place: 2-7pm / Julian Pioneer Park
Contact: 760-765-1857 / www.visitjulian.com

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We’re back with our Home Buying 101 Series and it’s time to wrap up disclosures! Last time, I discussed the various disclosures that a seller provides to a buyer. We’re now going to review the disclosures that are given to the buyer AND the seller by the brokerages or agents who represent them. Let’s jump right in, shall we?

One of the very first documents that a buyer or seller receives is an AD (Disclosure Regarding Real Estate Agency Relationship). This form discusses what an agent’s obligations are to each party involved in the transaction. It also covers the responsibilities that are required if an agent is representing both parties (dual agency). Additionally, this document states that a buyer or seller should contact a competent professional for legal or tax advice.

Next up is the Affiliated Business Arrangement Disclosure. This form makes the buyer or seller aware of any third parties involved in the transaction. This could be anyone from an insurance company to an escrow company to a home warranty company.

A buyer will also receive an MCA (Market Condition Advisory). I call this the “cooling-off form”. Sometimes, in the frenzy of multiple offers, a buyer will give away their contingencies just so they can get the property. However, giving this form to a buyer as they’re writing an offer helps them really consider what they’re doing. The MCA goes over market conditions and the potential risks in those changing conditions. It also talks about buyers writing non-contingent offers, the dos and don’ts of a loan, appraisals and inspection contingencies. This form also advises sellers on the value of a property and how an agent will give them comparable homes that have sold in the area, but it is ultimately up to them to decide at what price to list their property.

The PRBS (Possible Representation of More Than One Buyer or Seller-Disclosure and Consent) discloses how a brokerage represents many different buyers and sellers and the impact that has on either party. It discusses dual agency again, and also lets buyers know their offer may not be confidential. Unfortunately, hackers and scammers are alive and well. Because unsuspecting buyers have unknowingly wired funds to hackers and scammers, we now have to make buyers aware that they need to confirm wiring instructions with their escrow office, using the WFA (Wire Fraud Advisory).

The SBSA (Statewide Buyer and Seller Advisory) is generally signed with the purchase agreement or shortly thereafter. It is a 57-paragraph, 12-page document that educates the buyer and seller on what they should be aware of in the purchase or sale of a home.

Hang tight, we’re almost there!

There are two final disclosures that happen during the buyer-contingency period of a transaction. The first disclosure is the LAD (Local Area Disclosures for San Diego County.) This document discloses numerous things to a buyer, like if the home is in a flight path.

The final disclosure form given separately by the buyer’s agent and listing agent is an AVID (Agent Visual Inspection Disclosure.) This form is exactly what it sounds like. The agent walks through the home and writes down anything that he or she visually sees, hears, or smells at the property. Note: This is not to replace a home inspection by a qualified CREA-certified home inspector. The agent will generally note things like stains in the carpet, scuffs in paint, or it could note that the seller installed new flooring in the living room, etc.

Well, that’s it, can you believe it? Of course, in the real estate world, laws and forms change often and can affect the process. By this time next year, there will be additional changes – guaranteed! This is why it’s important for both buyers and sellers to work with an agent who treats their real estate career as a business. It’s not a hobby, or a way to make extra cash while working another job. Your largest purchase should be facilitated by someone who knows the law and has their hand on the pulse of the current market. In other words, you want an agent who is focused on real estate!

In the coming months, we’ll have experts from title and escrow companies inform you about what goes on in their world during a home purchase. If you missed out on the other posts in our Home Buying 101 Series, you can revisit them here: Preparation is Key, Navigating the Waters of House Hunting, Offer Writing and Negotiating, You’re in Escrow! and Disclosures, Disclosures, Disclosures.

In the meantime, if you’re considering buying or selling this year or next, it’s never too early to seek the advice of a real estate professional and lender. Please do not hesitate to reach out to me at 619.405.7673 or homes@livininsd.com.

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ABC Tree Farms Pick of the Patch | Oct. 4-31
2015 Birch Road, Chula Vista

Sunday-Thursday 10AM-9PM, Friday-Saturday 10AM-9:30PM
408.393.6303 | www.abctreefarms.net

Bates Nut Farm | Sept. 21-Oct. 31
15954 Woods Valley Road, Valley Center

Monday-Friday 9AM-5:30PM, Saturday-Sunday 8:30AM-6PM
760.749.3333 | www.batesnutfarm.biz

Boomont & Fall Fest | Oct. 1-Nov. 30
Belmont Park: 3146 Mission Boulevard, San Diego

Friday-Sunday, Oct. 31st & Nov. 12th 5-10PM
858.228.9283 | www.belmontpark.com

Carlsbad Pumpkin Patch | Sept. 27-Oct. 31
Cannon Road and Interstate 5

Friday-Sunday 9AM-7PM
760.603.9608 | www.carlsbadstrawberrycompany.com

Coronado Pumpkin Patch | Oct. 17-31
Coronado Ferry Landing

See website for schedule.
www.coronadopumpkinpatch.com

Harbour Farm & Vineyard | Oct. 5-31
3326 Highway 67, Ramona

Pumpkin Patch & Festival: Saturday & Sunday 10AM-6:30PM
Pumpkin Patch Only: Monday-Friday 10AM-6:30PM
619.261.9697 | www.harbourfarm.com

Julian Mining Company | Sept. 21-Oct. 31
4444 Hwy. 78, Wynola, Julian

Saturday-Sunday 10AM-5PM, Sunday 12-5PM
951.312.9940 | www.julianminingcompany.com

Lavender Hill Pumpkin Farm | Sept. 27-Oct. 31
1509 East Mission Road, Fallbrook

Friday 2-5PM, Saturday-Sunday 10AM-5PM, Oct. 31 2-5PM
760.715.8495 | www.lavenderhillpumpkins.com

Mr. Jack O Lanterns Pumpkins | Oct. 5-31
801 Pearl Street, La Jolla

Monday-Thursday 11AM-8PM, Friday 11AM-9PM, Saturday-Sunday 10AM-9PM
844.452.2567 | www.mrjackolanternspumpkins.com

Mtn. Valley Ranch Pumpkin Patch | Sept. 28-Oct. 31
842 Hwy 78, Ramona, Daily 9AM-6PM

760.788.8703 | www.mountainvalleyranch.com

Oma’s Pumpkin Patch | Sept. 24-Oct. 31
14950 El Monte Road, Lakeside Tuesday-Saturday 10AM-7PM

619.390.2929 | www.omaspumpkinpatch.com

Palomar Pumpkin Polar Palooza | Oct. 3-31
1200 Laurel Tree Lane, Carlsbad

Monday-Thursday 11AM-8PM, Friday-Sunday 9AM-9PM
619.216.0199 | www.pumpkinpolarpalooza.com 

PB Pumpkin Patch | Oct. 1-31
870 Garnet Ave., San Diego

Monday-Friday 10AM-10PM, Saturday & Sunday 8AM-10PM
858.483.0329 | www.pbpumpkinpatch.com

Pumpkin Express | Oct. 5-27
The Pacific Southwest Railway Museum: 750 Depot Street, Campo

Saturday-Sunday: Departures at 11AM, 1:15PM & 3PM
619.478.9937 | http://www.psrm.org/pumpkin

Summers Past Farms | Oct. 1-31
15602 Olde Hwy. 80, Flinn Springs

Thursday-Saturday 9AM-5PM, Sunday 10AM-5PM
619.390.1523 | www.summerspastfarms.com

The Farm Stand West | Oct. 1-31
Farm Stand West: 2115 Miller Avenue, Escondido

Frans Original Farm Stand: 1980 Summit Drive, Escondido
Daily 10AM-6PM 760.738.9014 | www.thefarmstandwest.com

The Great Annual Pumpkin Festival | Oct. 1-31
5178 Japatul Spur, Alpine

Tuesday-Sunday 10AM-5PM Reservations Required
619.320.4942 | www.childrensnatureretreat.org

Toms Adventures Pumpkin Patch | Oct. 1-31
10510 Marauder Way, San Diego

204 East Via Rancho Parkway, Escondido
1430 E. Vista Way, Vista
1360 Discovery Street, San Marcos
Mon.-Thur. 12-8pm, Fri. 12-9pm, Sat, 9am-9pm, Sun. 9am-8pm
760.484.2437 | www.tomsadventuresllc.com

Waterfront Park Pumpkin Patch | Oct. 27
1600 Pacific Highway, San Diego 11AM-2PM

619.232.7275 | www.sdparks.org

Bonita Pumpkin Farm Pumpkin Station | Oct. 1-31
5354 Sweetwater Road, Bonita

Oct. 1-13 9AM-6PM, Oct. 14-31 9AM-9PM

Del Mar Pumpkin Station | Sept. 27-Oct. 31
15555 Jimmy Durante Boulevard, Del Mar

Sunday-Thursday 9AM-7PM, Friday & Saturday 9AM-9PM

Mission Valley Pumpkin Station | Sept. 27-Oct. 31
1640 1/2 Camino Del Rio North, San Diego

Monday-Thursday 11AM-9PM, Friday-Sunday 9AM-9PM

National City Pumpkin Station | Sept. 27-Oct. 31
3030 Plaza Bonita Road, National City

Monday-Friday 1-9PM, Saturday & Sunday 11AM-10PM

Ranch Bernardo Farm Pumpkin Station | Oct. 1-31
13421 Highland Valley Road, Escondido

Daily 9AM-6PM

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El Cajon Oktoberfest | October 4-6
A family-friendly festival promoting traditional German culture, including entertainment provided by our popular band Guggenbach-Buam. Enjoy folk dances, games, contests, vendor booths and craft stands, and Kids Zone! 
Time/Place: South Mollison Avenue  
 
Taste of Mission Hills | October 2
25 participating purveyors of delicious tastes, including long established and very new arrivals. 
Time/Place: 5-9pm / Various locations throughout Mission Hills 
Contact: 619-559-9502 / www.missionhillsbid.com/taste
 
La Mesa Oktoberfest | October 4-6
Hundreds of exhibitors, family friendly activities, German food, music, dancing, games and, of course, beer. Entertainment and fun activities for kids of all ages. 
Time/Place: Fri 4-10pm, Sat 10am-10pm, Sun 10am-6pm / La Mesa Village 
Contact: www.lamesaoktoberfest.org 
 
Carlsbad Oktoberfest | October 5
The Carlsbad Rotary Oktoberfest, a fall tradition, will bring thousands of people to enjoy German food (and beer!), live music and entertainment for children. 
Time/Place: 12-9pm / Holiday Park  
 
Pacific BeachFest | October 5
A fish taco contest, surf competition, beach volleyball, craft beer, kids activities and music! 
Time/Place: 8am-7pm / Pacific Beach Boardwalk  
 
STOCKZILLA | October 5-6
3,500 pounds of Catfish. Every Lake (1-7) will be stocked. You do not need a state fishing license, just a permit from the General Store. Adults $10, Jrs. & Seniors $6, and extra pole stamps $4. 
Time/Place: 6am-6pm / Santee Lakes Recreation Preserve 
Contact: 619-596-3141 / www.santeelakes.com
 
Taste of Rancho Santa Fe | October 6
More than 700 guests will enjoy a feast from Rancho Santa Fe’s most celebrated restaurants, Napa Valley and Sonoma wineries, breweries and other beverage vendors! 
Time/Place: 4-7pm / The Inn at Rancho Santa Fe  
 
Rancho Santa Fe Oktoberfest | October 6
Beer, brats, polka band, auction, raffle and kids zone activities. This fundraiser will help Inspire, The Foundation for Education get one step closer to opening the new Carmel Valley Campus. $45 Adults / Under 12 FREE Admission. 
Time/Place: 2-6pm / Rancho Santa Fe Garden Club  
 
Taste of Coronado | October 10
Enjoy amazing bites prepared by our local chefs. 
Time/Place: 5-9pm / Coronado Historical Association, Coronado Museum of History & Art 
Contact: www.atasteofcoronado.com
 
Ocean Beach Oktoberfest | October 11-12
A two-day, eclectic, beach-side festival with a variety of exciting activities, contests and entertainment. 
Time/Place: Fri 3-11pm, Sat 9am-11pm / Newport Ave & Abbott St  
Contact: www.oboktoberfest.com
 
Polish Festival | October 11-13
Performances by Polish folk dancers and various musical bands. Delicious polish food and the best genuine imported polish beer. 
Time/Place: St. Maximilian Kolbe Polish Roman Catholic Mission: 1735 Grand
Contact: www.polishmission.org
 
Carmel Valley Trail 5K, 10K and 15K | October 12
A combination of single track and dirt service road trails through beautiful open spaces. 
Time/Place: 6-10:30am / Torrey Highlands Community Park 
Contact: www.enduranceraceseries.com/carmel-valley
 
Taste of North Park | October 12
Enjoy 50+ food tastes from some of San Diego’s best restaurants and craft beer samples from 15 local brewers. 
Time/Place: 11am-3pm / University Ave & 30th St 
Contact: 619-294-2501 / www.northparkmainstreet.com
 
La Jolla Art & Wine Festival | October 12-13
Over 150 juried artists from around the globe, 3D chalk art displays, interactive art murals, non-stop live music, family art center, roving entertainment, gourmet food court, and a wine, craft beer, and spirits garden featuring local brews, distilleries and global wineries. 
Time/Place: 10am-6pm / Girard Avenue & Prospect Street  
Contact: www.ljawf.com
 
Latin American Art Fair | October 12-14
Presents outdoor exhibits, painting, sculpture, photography and printmaking as well as folk art, crafts, performance and culinary arts of Latin American countries. 
Time/Place: 11am-6pm / Bread & Salt: 1955 Julian Ave. 
Contact: 619-752-6118 / www.latinamericanartfairsd.com
 
Raptor Ridge Half Marathon | October 13
An out-n-back course that begins with 4.5 miles of flat and fast jeep road that winds east towards the San Diego Safari Park and Raptor Ridge. 
Time/Place: 7am / San Dieguito River Park, Escondido 
Contact: www.dirtdevilracing.com
 
San Diego International Film Festival | October 15-20
The region’s premier film event and one of the leading stops on the independent film circuit, with 200+ filmmakers gathering in San Diego to show their films every year. 
Contact: 619-818-2221 / www.sdfilmfest.com
 
Borrego Days Desert Festival | October 18-20
The festival has expanded to include a car show at The Mall on Saturday. Parade beginning with a fly-over of the State Park plane and local pilots on Saturday. Enjoy the music while perusing the array of artists, retail vendors, informational booths, delicious food offerings, and tasty treats. 
Time/Place: Christmas Circle Park  
Contact: 760-767-5555 / www.borregodays.com
 
Bulls of SantAgata Charge Little Italy | October 19
Over 40 classic and rare Italian bulls, better known as Lamborghinis. An evening with souped up rides and musical entertainment for the whole family to enjoy. 
Time/Place: 6-11pm / India St & W Fir St  
 
Ladies at the Lake Fall Market | October 19
Shop from local women in business! There will be a variety of vendors with uniquely selected items, from Health & Beauty, Clothing, Jewelry, Holiday Gifts and so much more! 
Time/Place: 9am-2pm / Santee Lakes Recreation Preserve 
Contact: 619-258-4759 / www.santeelakes.com
 
Villains in the Village! | October 19
Over 20 nefarious characters and uncanny activities will torment and trick thrill seekers of all ages.
Time/Place: 4-9pm / Third Avenue, Chula Vista 
Contact: 619-422-1982 / www.thirdavenuevillage.com
 
La Vista Memorial Park and Mortuary Dia de los Muertos | October 19
Food, music, artwalk, costumes, entertainment, artists and the always-popular altar contest and runway fashion show Catrina Contest.
Time/Place: 2-10pm / 3191 Orange Street, National City 
Contact: 619-475-7770 / www.lavistamemorialpark.com
 
EastLake Cycle & 5K Run and Technology & Innovation Fair | October 19
Provides kids the opportunity to meet with STEM/STEAM professionals and engage with activities and resources that will connect them to their future careers. 
Time/Place: 6:30am-12pm / EastLake Middle School  
Contact: www.eefkids.org
 
San Diego Triathlon Challenge | October 20
Join 200 physically challenged athletes, 550 able-bodied athletes, celebrities, and sports legends as they complete a 1 mile ocean swim, 44 mile bike and 10 mile run on one of the most breathtaking courses in the country. 
Time/Place: 6am-4pm / La Jolla Cove  
 
SaltDog Classic | October 20
Music, fun, craft beverage and local businesses coming together to bring north county San Diego to life. This year we are happy to support Rancho Coastal Humane Society. 
Time/Place: 11am-5pm / 425 Santa Fe Drive, Encinitas 
Contact: www.saltdogclassic.com
 
Escondido Grand Avenue Festival | October 20
Live entertainment, over 400 vendors, children’s rides and activities and food from around the world to the downtown tree-lined streets of Escondido. 
Time/Place: 9am-5pm / Between Center City Pkwy and Ivy 
Contact: 760-839-4777 / www.visitescondido.com
 
YMCA of San Diego County Tour de Cove | October 20
A fun and sweat-drenching 4.5 hour stationary cycling marathon with 100 riders and over 50 challenged athletes. 
Time/Place: 9am-1:30pm / Ellen Browning Scripps Park 
Contact: 858-866-0959 / www.challengedathletes.org
 
Celebrate the Craft | October 20
The finest food artisans demonstrating, discussing and tasting their way through the vast array of premium food and wine products available. 
Time/Place: 11:30am-3pm / The Lodge at Torrey Pines  
Contact: 858-453-4420 / www.lodgetorreypines.com
 
Trick-or-Treat on India Street | October 25
Bring their little monsters out in costume attire to this fun Halloween event to enjoy traditional trick-or-treating, as Little Italy businesses along historic India St open their doors. 
Time/Place: 5:30-7:30pm / Piazza della Famiglia    
 
HauntFest on Main | October 25
An exciting family-friendly event with a pumpkin patch, costume contest, kidz zone, rides, entertainment and more! 
Time/Place: 5-10pm / Downtown El Cajon  
 
North Park Day of the Dead Festival | October 26
Bringing together an array of Mexican-themed artisanal crafter purveyors from throughout the US, popular food trucks with a regional foodie-following, and a select choice of beer, mezcal, and tequila vendors in our spirit cantina. 
Time/Place: 11am-5pm / North Park, San Diego 
Contact: www.dayofthedeadfestivalnorthpark.com
 
WCKD Village | October 26
San Diego’s premier Halloween festival. Four radical concert stages featuring an eclectic lineup of hip-hop, open format, EDM and deep house. Play life-size interactive games and navigate around stilt walkers and fire-breathers. 
Time/Place: 6pm-Midnight / East Village, Downtown San Diego 
Contact: www.wckdvillage.com
 
Bubble RUN San Diego | October 26
Clad in white t-shirts, adults, kids and strollers run, walk, dance and play across 3 miles of absolute fun! Then, at each kilometer, participants will run through the Foam Bogs where there is enough colored foam to cover you from head to toe! 
Time/Place: 8am / NICU Amphitheatre, Chula Vista  
 
Balboa Park Halloween Family Day | October 26
Dozens of free craft projects for kids, Day of the Dead-themed displays and activities, costume contests and parades, carnival games with prizes, live entertainment, and food trucks. 
Time/Place: 11am-4pm / Balboa Park 
Contact: 619-239-0512 / www.balboaparkconservancy.org/halloween
 
City Heights Dia de los Muertos | October 26
People of all cultures will come together for community altars, face painting, mask making, and prizes for the best catrina and catrin contest, plus dancing, singing and music. 
Time/Place: 11am-6pm / Officer Jeremy Henwood Memorial Park 
Contact: www.facebook.com/CityHeightsDiaDeLosMuertos
 
San Diego Mac n Cheese Fest | October 26
The restaurants are selected from the regions top culinary talent and attendees can pair them alongside a collection of local craft beers, wines and other delicious beverages.  
Time/Place: 11am-2pm / San Diego County Waterfront Park 
Contact: 800-316-8559 / www.sandiegomacncheese.com
 
Row for the Cure, Susan G Komen | October 27
Draws participants from various forms of watercraft including rowing, canoeing, outrigger canoeing, dragon boats, kayaking and SUPing. 
Time/Place: 7am-12pm / Ski Beach, San Diego 
Contact: 858-573-2760 / www.komensandiego.org/row
 
Oceanside Dia de los Muertos | October 27
Free family-friendly event with entertainment, carnival rides, altar displays and a classic car show! 
Time/Place: 10am-4pm / Mission San Luis Rey 
Contact: 760-757-3651 / www.mslrdiadelosmuertos.com

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