Dine Out and Donate with San Diego Restaurant Week
San Diego Restaurant Week has partnered with Feeding San Diego to Make Dining and Donating Deliciously Easy!Spring 2023 Restaurant Week will take place from Sunday, March 26, 2023, through Sunday April 2, 2023. “Spring into Flavor” this season with diverse menus packed with flavor featuring special prix-fixe pricing throughout the county.This spring, SDRW is partnering with Feeding San Diego to make dining and donating even easier. Chef Works, a Poway based culinary and hospitality apparel brand, will donate $2 to Feeding San Diego for every San Diego Restaurant Week meal ordered, up to ten thousand dollars. Every dollar donated helps provide two meals to people facing hunger in San Diego County.So, get out there and enjoy lunch or dinner (or both). Two-course lunches and three-course dinners start at just $20. With over one hundred restaurants offering a feast for the senses, restaurant week makes it easy to decide the ideal brunch, lunch, or dinner option with website filters for neighborhood, cuisine, dining options, and price point. The popular culinary event spans eateries across more than a dozen regions in San Diego County including downtown San Diego, La Jolla, Central San Diego, East County, Mission Bay and Beaches, North County Inland and Coastal, South Bay and Point Loma/Harbor Island, to name a few communities. Reservations are not required to participate in this foodie-favorite week but are highly recommended to ensure seating.A sampling of participating restaurants:333 Pacific94th Aero SquadronAllegroBali HaiBalsamico Italian KitchenBeaumont’s EateryBlanco Tacos and TequilaBleu BohemeButcherscutC LevelCafe CoyoteCasa GabrielaChart HouseCity Cruises anchored by HornblowerCoaster SaloonCoasterraDel Frisco’s SteakhouseDel’s HideoutDockside 1953Draft Republic CarlsbadDraft Republic San MarcosDukes La JollaFarmers BottegaFarmers TableGeorges at the CoveGiardinoGlass BoxGreat Maple DinetteGreystoneHarley Gray Kitchen and BarIl Sogno ItalianoIsland PrimeJakes Del MarLa Bonne TableLa ClochetteLa Gran TerrazaLavoMelting Pot + GaslampOceana Coastal KitchenOne Door NorthPacific SocialPanevinoPeohesPioneer BBQPiperPonto LagoProvisional Restaurant at Pendry San DiegoPuerto La BocaPuesto ( headquarters, la jolla, mission valley )Rei Do Gado Brazilian SteakhouseRockin BajaRusticcucinaSaltwaterSEA180 Coastal TavernSeventh HouseSmokey and the BrisketSolare RistoranteThe FieldThe French GourmetThe HenryThe Prado at Balboa ParkThe Smoking GoatTom HamsTwenty | 20Valle Quadaulupe Kitchen ValleyVerbenaVintana Wine + DineZamaZestA full list of participating restaurants, as well as photos and mouthwatering menus, can be found at SanDiegoRestaurantWeek.com with new restaurants being added daily. The post Dine Out and Donate with San Diego Restaurant Week first appeared on SD Entertainer Magazine.
First-time home buyers facing one of the least affordable markets on record
My first-time home buyers have been having difficulty over the last couple of years. During 2021 and 2022, when the housing market was scorching hot, it was tough for first-time home buyers, often with FHA 3.5% downpayment loans and other low downpayment loans, to compete with the all-cash and conventional loan buyers. FHA and VA loans can be a trickier and sellers generally like to avoid the trouble when multiple offers are on the table. Although I have had pretty good success over the years representing buyers, by convincing sellers that it is worth it to sell their home to a military family or other young family looking to make a long-term home. But, no doubt, the last few years have been tougher for first time home buyers, especially when many offers come in over list price and often with a no-fuss, 21-day close, something FHA and VA buyers can not typically achieve. In 2022, first-time home buyers made up the lowest proportion of all purchasers in decades.Now we have a different situation for first-time home buyers. Over the past four weeks mortgage rates have again been surging upward, nearing 7% for well qualified borrowers. This has caused mortgage applications to plummet to a near 30-year low for first-time home buyers (as well as other purchasing groups). Today, first-time home buyers are facing one of the least affordable markets on record. Because this buying group generally has a higher loan to value amount, they are most sensitive to interest rate increases and the higher rates are resulting in less they can afford. Loan officers typically work backwards, starting with income and debt payments to generate a maximum monthly payment for a buyer. As interest rates increase, that same monthly payment can afford less and less of a home price. Compared with a year ago, when rates were in the 4% range, a monthly payment today is about 50% higher for the same loan amount.Interestingly, home prices are staying fairly steady, with only minor decreases since the highs of last summer. Another issue is that the supply of lower priced properties is extremely low as those property owners are not bringing those properties to market very often, instead holding on to their mortgage rates in the 3’s and 4’s. When a desirable, lower priced property does come on the market, quite a few offers come in, and often an investor will scoop it up. Inflation is causing investors to purchase the more affordable single-family properties as a hedge against the persistent inflation, further boxing out first-time homeowners. The median age of first-time home buyers has increased steadily to 36 years old nationally and even higher here in San Diego.One thing I tell my first-time home buyers to do is to first get approved by either my mortgage loan person, Margaret, an amazing lady and longtime loan officer or a loan person of their choice. I currently have a lender offering down-payment and closing cost assistance grants in some areas of San Diego. I also suggest considering a townhome or condo for a few years, until rates hopefully decrease. This way they have a hedge against inflation and have likely tax write-offs against their income going forward. Another option is an interest-only loan for a few years which requires lower monthly payments. I also strategize with buyers on considering fixer properties. Call me with any questions on buying or selling real estate in San Diego. – Sarah Ward is a REALTOR with Coldwell Banker West. Reach her at: sarah@sarahdoesrealestate.com. Photo credit: Pixabay.com
CBD and CBN: A Complete Guide for Understanding the Benefits
There are more than 100 cannabinoids found in the cannabis plant. Two of them are called cannabidiol (CBD) and cannabinol (CBN). Cannabinoids are substances with the ability to interact with the endocannabinoid system, which is a group of receptors in your body. You’re probably more familiar with cannabidiol (CBD) than cannabinol (CBN).Since some jurisdictions began to legalize recreational marijuana, cannabidiol products have grown in popularity. CBD products are widely used to treat anxiety and chronic pain. The potential advantages of CBN have received relatively little human study. However, a few tiny studies show that it may have the ability to relieve pain and function as a sedative.Benefits of CBD and CBNThe benefits of cannabidiol and cannabinol are as follows:CBDUnlike THC and marijuana, the effects of cannabidiol are shown to be non-psychoactive and non-intoxicating. It is used in the following ways:To treat pain and anxietyAccording to the findings of a Brazilian study published in 2019, participants who were given various dosages of cannabidiol had lower anxiety levels than those who were given the average amount. CBD gummies are available in lots of varieties in the market such as vinegar gummies, multivitamin gummies but the CBD melatonin gummies are the most effective in the treatment of pain and anxiety. To buy the best quality melatonin gummies, you can visit this website https://cbdfx.com/products/cbd-melatonin-gummies-for-sleep. CBD products are very helpful in treating sleep problems, pain alleviation, and anxiety. In addition, cannabidiol’s influence on the endocannabinoid system is thought to be responsible for decreasing chronic pain in the body.Possible positive outcomes for treatment of cancerNot only can it aid cancer patients with pain and nausea, but many have claimed cannabidiol contains anti-cancer properties that delay the progression of the disease. This is not proven, but some claim it to be true.Neurodegenerative disease treatment Cannabidiol has shown promise in the treatment of neurodegenerative illnesses and seizure disorders. It was discovered to have a favorable safety profile for medicinal and therapeutic applications. It can be useful in the treatment of neurodegenerative diseases such as Parkinson’s, Alzheimer’s, and epilepsy, among others.Regulates the adverse effects of THC It has the ability to control the entourage effect, which is a negative side effect of THC.Enhances the quality of sleepCannabidiol medicines and dosages have been found in research to help people sleep better. For example, research revealed that taking a daily dose of CBD gummies for sleep for a month enhanced sleep quality.CBNCBN has the potential to provide several advantages:It has a powerful sedative effectHigh CBN, unlike CBD, has THC effects (psychoactive cannabinoids). Even though they are both cannabis chemicals, CBN has a modest psychoactive impact and can be a powerful sedative. When CBN and THC are combined, CBN becomes a more powerful sedative.It provides a calming/relaxing effectA stronger sleep/pain relief medicine can be made by combining CBN with cannabidiol.Neuroprotective treatment CBN levels over a certain threshold may have a significant impact on neurological disorders. While this has been shown in rat research, it has yet to be proven safe for people.Anti-inflammatoryCBN, which is present in cannabis, and industrial hemp products, is also useful in treating arthritis-related inflammation.The post CBD and CBN: A Complete Guide for Understanding the Benefits first appeared on SD Entertainer Magazine.
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