Housing prices have been steadily increasing over the past few years at an astronomical rate, making it increasingly more difficult for new home buyers to qualify and afford a home. With rental rates skyrocketing as well, the longer you wait to stop paying someone else’s mortgage and paying your own, the more difficult it becomes for you to own your home.

Recently the market has slowed and housing prices are adjusting downward. It’s all part of the business cycle: several years of property value increases are inevitably followed by some years of market adjustment. Foreclosures are becoming more frequent as interest rates on specialty mortgages are adjusting, and many household incomes are unable to keep pace. However, this is a normal adjustment phase of the market. As home prices decrease and housing inventories increase this can be a great opportunity [...]
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Halloween is upon us again, and the little goblins and ghouls will be trick or treating again soon.

Surprisingly San Diego has a number of haunted places in the county. Check out this page on the ShadowLands website to learn about haunted places and legends in San Diego.

Also remember to put safety first when allowing your children to go trick or treating. Some good Halloween safety ideas are featured in these pages:

• The Children’s Safety Zone
• Play the Halloween Safety Game

Have a safe and happy Halloween