First Time Home Buyers: The American Dream … the South Coast Reality

Google maps photo

Google maps photo

Breaking into the local real estate market is tough but not impossible. Leslie Dinaberg explores who’s buying for the first time and how.

Practicality, frugality and focus were the key values that got Jonathan and Kara Rocque into their first home, at 7126 Del Norte Dr. in Goleta. Both UCSB graduates, the Rocques lived in a one-bedroom apartment and didn’t really upgrade their lifestyle much after college in order to save money for a house.

They started making offers right after they married, about 2-1/2 years ago, but Jonathan said he wasn’t really ready to buy until recently. “People always say ‘get in as soon as you can,’ but … at the same time, I really have no regrets not getting in any sooner because I wasn’t ready.” An engineer, he said he worked for a start-up company and was worried about job stability.

“I think I got to the point where I gained more confidence in myself and that things were going to be okay,” said Jonathan, who now works for Indigo Systems, which recently merged with FLIR Systems.

When he felt really ready to buy, Jonathan had the willing assistance of his father, John Rocque, a realtor and mortgage broker in San Dimas.

Another factor that kept the Rocques from buying quickly was their expectation of what they would be able to afford. “We started thinking that we wanted our dream home out of the shoot, and I think that’s what delayed our purchase, probably,” said Jonathan.

The three-bedroom two and a half-bathroom home the Rocques eventually bought this year for $659,500 has a studio apartment (garage conversion) on the property, a big selling point. “We were looking at these two-bedroom one-bath cottages and went, I just can’t do it. There’s got to be something out there that’s better because it doesn’t leave us the flexibility to grow,” said Jonathan. “When we saw this place with the studio I just thought ‘Oh God, couldn’t be better.’ I could give up the garage and take the extra income that will definitely help.”

Kara noted the backyard had a shed for storage, making it easier for her to give up the garage space. Being able to have a vegetable garden was also important to her, as was the school district. “Basically any school in Goleta, I’m totally comfortable with,” said Kara, who teaches first grade at La Patera.

The Rocques also knew what they didn’t want: no condos and no commuting. “The whole reason we live in Santa Barbara is the lifestyle,” said Jonathan. “I ride my bike. I love the mountains. I love riding by the ocean. I love the weather. I value my time … I’m not going to drive an hour each way to work. I’d go somewhere else where I could live close,” he said.

“I don’t think either one of us ever wants to move into one of the new developments because they’re so crunched together,” added Kara. “Yeah they look pretty, they’re nice and new, but to me this has more character than those houses. You can paint it whatever color you want to paint it; you can do whatever you want with your yard.”

While the Rocques would eventually like to move to a larger house, they are fixing up their yard and treating the house like a home.

“It’s not short term, but it’s not forever,” said Kara.

“This house easily gets us ten years,” said Jonathan. “If we wanted to, at some point we’ll refinance and we could reclaim that space (the studio).”

And as for the realities of being able to afford to stay on the South Coast, they credit much of their success to Patrick Flood, the financial consultant Jonathan began working with when he graduated from college. The Rocques said they feel both blessed and proud to be able to get into the housing market

“I like taking on challenges too. I took a major in college … that was challenging. And staying in Santa Barbara was a big challenge, but I was going to do it. I was really, really happy that we could,” said Jonathan.

Added Kara: “If we can do it here then we can do it anywhere.”

Originally published in South Coast Beacon

Got an hour? Get up and go to …

num_skyman, freedigitalphotos.net

num_skyman, freedigitalphotos.net

We all agree the South Coast is paradise, but sometimes it’s nice to get away for the day. Here are a few favorite destinations for when you’re looking to get the heck out of Dodge, and the best part is, they’re all less than an hour’s drive away — weather permitting.

Just off Highway 154 north are Painted Cave, with its stunning rock art, and Knapp Castle, which can be reached from a path off East Camino Cielo. The “castle” is actually a ghostly scattering of rock ruins of a mountain lodge that burned in a 1940 wildfire, overlooking incredible views of the Santa Ynez Valley.

Further north is Lake Cachuma, which is not only our primary water source, it’s also a great place for fishing, boating, hiking, horseback riding and camping. From November to February, hundreds of bald eagles winter here and you often can see them on a two-hour guided boat ride aboard the Osprey. From March through October, the cruise takes a look at area wildlife, wildflowers and resident birds along the shore. The cost is $15 for adults and $7 for children. Call 686.5050 for reservations.

A little further north the charms of Los Olivos beckon, with wonderful shopping, galleries and wine tasting just a short drive away. Stop by the always delightful boutique Persnickety (2900 Grand Ave.; 686.8955) for a fabulous selection of gift items, including vintage linens, birdhouses, ladies’ dresses and more. The Arthur Earl tasting room (2921 Grand Ave.; 693.1771) is also highly recommended.

Also nearby is the Chumash Casino (3400 E. Highway 246), with free live music every Friday and Saturday night, as well as a new resort hotel and spa (call 1.877.248.6274 for reservations).

Don’t forget Solvang, “the Danish capital of America,” where no visit is complete without an aebleskiver, available at any of the many bakeries in town. For theater fans, the PCPA features a wonderful outdoor venue. Call 922.8313 for ticket information and showtimes.

A short distance down Solvang’s Alisal Road is Nojoqui Falls where Upper Nojoqui Creek falls about 80 feet over a sandstone cliff and into a mossy haven, surrounded by Venus maidenhair ferns. The falls end in a shallow pool that’s fun to wade in or just watch the water insect show.

You could also head into the wine country. Try the Foxen Canyon Trail where you will encounter a series of excellent wineries including Firestone Vineyard, Curtis Winery, Fess Parker Winery, Zaca Mesa Winery, Bedford Thompson Winery, Foxen Winery, Rancho Sisquoc, Cambria Winery and Cottonwood Canyon Vineyard.

Heading west, Jalama Beach lies at the end of Jalama Road that turns off Highway 1 south of Lompoc. The beachside park offers camping, a playground, windsurfing and a snack bar serving the famous Jalamaburger. Just remember to get a lot of napkins: these puppies are messy.

You could also head south from Santa Barbara to Ojai, located inland between Santa Barbara and Ventura. Nestled in a scenic deep valley, Ojai is surrounded by steep mountains that soar to 6,000 feet. Ojai is known as an artist’s community, which is reflected by a number of unique galleries and shops.

Going further south, Old Town Ventura is quite charming, with a wealth of shops and restaurants. Also worth checking out is Mission San Buenaventura, (211 E. Main St., 643.4318) the ninth and last California mission founded by Father Junipero Serra. There are also several yacht harbors in Ventura, which offer seafood restaurants, shops, boating, fishing and bay cruises.

Of course, you could always head home and be a tourist in your own town. Not many locals have done the self-guided Red-Tile Walking Tour, which begins at the Courthouse. And when was the last time you went to the Santa Barbara Museum of Natural History, the Santa Barbara Mission, the Courthouse, the Botanic Garden, Stearns Wharf or the zoo? Sometimes the best getaway can be found right in your own backyard.

Originally published in South Coast Beacon

Make Mother’s Day Special

Give mom what she really deserves this year, a weekend of rest and relaxation at one of the Central Coast’s unforgettable resorts, bed and breakfasts or hotels.

Villa Toscana Bed & Breakfast

Fulfilling owner David Weyrich’s vision for a “quintessential wine country retreat,” this Tuscan-style village sits smack in the middle of the Martin & Weyrich vineyard in Paso Robles. Each of the eight suites (named after the vineyard’s wines) has unique Tuscan-inspired decor, and all have huge baths with whirlpool tubs, spacious sitting areas, and balconies overlooking the vineyard. Spa treatments can be arranged in your suite. For the ultimate pampering, rent the Winemaker’s Residence: a 3,500-square-foot apartment with a full kitchen and a private balcony with hot tub. For more information call 238.5600 or visit www.myvillatoscana.com.

Courtesy The Carlton

Courtesy The Carlton

The Carlton Hotel

For a completely different kind of getaway, take mom to the newly restored historic Carlton Hotel in downtown Atascadero. It has a big-city luxury hotel feel (think San Francisco, Boston or Washington, D.C.) without the long flight or parking hassles. The 52 tastefully designed guest rooms reflect the charm of yesterday but have all of the amenities of today, including spectacular spa tubs, 24-hour concierge services, a gym, several excellent restaurants and a roof terrace garden to enjoy. For more information, call 461.5100 or visit www.the-carlton.com.

Suite Edna Bed & Breakfast

Located in San Luis Obispo County’s wine country, this charming restored farmhouse is the perfect B&B for people who aren’t necessarily B&B people. There’s no forced socializing, you have the entire house to yourself, with the option to bring up to six people total (three rooms) in your group. Mom can make herself at home with a good book on one of the two delightful porches and end her day with a relaxing massage in a private garden cottage that’s just steps away. Owner Pattea Torrence is an antiques aficionado, and her attention to detail will please even the most meticulous moms. For more information call 544.8062 or visit www.oldedna.com.

Post Ranch Inn

This luxurious, 30-room Big Sur retreat, designed exclusively “for adults to relax, rejuvenate and nurture relationships,” features a series of redwood guesthouses with views of the sea or the mountains, blended almost invisibly into a wooded cliff 1,200 feet above the Pacific. On-site offerings include everything from yoga to star gazing, with the whole experience designed to preserve a sense of serenity. Known for its oneness with nature, Post Ranch Inn has been described as a “luxury resort that is a playground for the soul.” For more information call 1.831.667.2200 or visit www.postranchinn.com.

Sycamore Mineral Springs Resort

These hot mineral springs, which bubble up amid gorgeous oak and sycamore trees, have rejuvenated thousands of spa guests since 1897. An environment dedicated to healing and renewal, each room and suite has its own private balcony with a hot tub and about half of the rooms have mineral water piped into the tubs.

The treatment center offers an array of hands-on healing therapies, while the yoga institute offers classes in yoga, Pilates, meditation and associated wellness disciplines. The beautiful gardens, labyrinth, walking/hiking trails, and the communal hot springs are also wonderful places for mom to relax and refresh herself. For more information call 595.7302 or visit www.sycamoresprings.com.

Ventana Inn & Spa

Nestled in the heart of Los Padres National Forest in Big Sur, the romantic Ventana resort is a perfect getaway. In fact, when celebrities like Oprah Winfrey, Robert DeNiro, Johnny Depp and Keanu Reeves want to get away from it all, they visit these 243-acres of tranquil forest overlooking the Pacific.

The rooms are so gorgeous — with ocean and mountain views, spa tubs, flat-screen televisions and porches equipped with private Jacuzzis and peaceful hammocks — mom may never want to leave. If she does venture out, she can sunbathe, walk or ride horses in the nearby hills, do yoga or tai chi, take a photography lesson or a painting class, or pamper herself with spa treatments.

“There’s nothing that we won’t do for our guests, period,” said general manager Paul O’Dowd.

No wonder the stars like this place. For more information call 1.800. 628.6500 or visit www.ventanainn.com.

Originally published in South Coast Beacon

First Time Home Buyers: There’s Nothing Like the First Time

Image by phanlop88 freedigitalimages.net

Image by phanlop88 freedigitalimages.net

Here on the South Coast — where multiple bidders compete to buy $1 million generic tract houses that “need work” — first time homebuyers are definitely in the minority. But a surprising number of working professionals are getting into the market via some very creative configurations, both in terms of financing and sometimes even living situations.

“It’s a lot more complicated than just finding a property,” said Nicole Dinkelacker, a realtor with RE/MAX’s Goleta office who’s been in the business for 20 years. “Anybody with less than ten percent down, it’s very competitive and difficult.”

Difficult, but not impossible.

“You can get 100 percent financing. You have to have beautiful credit, of course, but it isn’t like you have to come up with a huge amount of money, or at least you should talk to a realtor before you decide that,” said Rebekah Mulder, a realtor with Prudential California Realty in Santa Barbara.

A former teacher and principal at Cold Springs School, who got out of education to become a financial planner and real estate agent, Mulder said she still finds a lot of her job involves educating her clients about the tax advantages of investing in real estate, as well as the many creative ways to make buying a house possible in the Santa Barbara market.

One of the unique financing methods she often teaches first-time buyers about is equity sharing, where a parent, an employer or a third party will invest in buying a house in partnership with the person who will live there.

Recently, Steen Hudson (the Director of the Rescue Mission) and his wife Trina entered into an equity share agreement with his employers, said Mulder. “The mission is realizing money on its investment and if the Hudson’s so choose they can steadily buy the mission out. It’s a great way for employers to help out their employees and make an investment as well.”

“Equity sharing is a great investment. You pair up older people who really don’t want to go out and buy an apartment house or something. Most people are unaware that if you own a residential income property, you can depreciate that property. Even if its actually appreciating, the tax code allows you depreciate it, which then shelters that much of your earned income from any taxes at all,” said Mulder. The IRS allows you to treat one physical property as both a residential property and a residential income property (divided proportionately), she explained.

Rather than asking parents or others to “help” with a down payment, Mulder advises approaching it like a business opportunity and will often make the presentation to parents as a neutral party. “We have (37-page) contracts where you negotiate every horrible thing that could happen.”

“Another thing that piggybacks on that is that buying a property with a rental on it is really good option, especially for someone that’s maybe got high income but maybe no money down, said Sharol Mulder, Rebekah’s daughter and business partner.

“A lot of times if we have people with a lot of money down, it’s a better bottom line if they buy a more expensive property with a rental on it. So let’s say they could go buy a $600,000 condo, they could probably buy a $900,000 house with a rental on it and actually come out paying less per month,” said Sharol, who recently made this type of deal with buyers Dave and Eliza Reed and Kate Russell (Eliza’s sister). “They bought a neat old turn of the century Craftsman plus an additional duplex on West Sola. … They rent out the main house for maximum income.”

In addition to financing options, first-time homebuyers often need to be educated on the basics about realtors. “There are a lot of people out there who don’t know how realtors get paid. We’re seeing people walk into open houses and work with the realtor who’s there without a recommendation. … As a buyer you’re not going to pay the realtor’s commission but you really need a good realtor, so you need a good recommendation. … It’s a great benefit to you as a buyer that the seller is going to pay your realtor’s commission but it doesn’t take away the responsibility that you have to find someone who’s really good to represent you,” said Sharol.

Having professional, experienced representation is even more important with the current climate of multiple offers being made for any given listing. “Houses are going really quickly,” said Gloria Herrera, one of Dinkelacker’s clients who recently purchased a home in Carpinteria after making an offer on another. “The whole thing has really been a learning experience.”

There’s nothing like the first time … starting next week, our South Coast Homes section will feature case studies of local first time buyers. We’ll go inside their homes to see what they were able to buy and how they were able to do it.

Originally published in South Coast Beacon

Little red wagon takes the cake

Cake by Sarah Farmer of Sugar

Cake by Sarah Farmer of Sugar

Sarah Farmer delivers the baked goods in Big Apple exhibit

Launching imaginative voyages for boys and girls since 1917, and glorified in a 1992 movie, the ubiquitous little red Radio Flyer wagon chalked up another adventure recently. Local cake artist Sarah Farmer, of Sugar, relied on one in her journey to New York City’s Grand Central Station, where she was among the 50 leading sugar artists showing off their creations at the largest wedding cake event ever held.

Farmer said she was thrilled to be invited to the event, called Cakewalk at Grand Central, and hosted by Brides Magazine and Martini & Rossi, but getting her three-foot tall confection to New York was a challenge, to say the least. The stunning, complicated, Moroccan-themed wedding cake, inspired in part by Chef Karim’s Restaurant in Victoria Court, had its own airplane seat, but still had to be completely deconstructed for the trip.

Plus, the original vision of the two boxes in which the cake would travel had to be modified into three boxes at the eleventh hour.

“Then I had to figure out how to get these three boxes through the airport,” said Farmer, who credits local United Airlines staff members Tim Crews, Aaron Muller and Sean Russer with helping her — and her cake — make it safely to Grand Central Station.

And then there’s the little red wagon belonging to her daughter, Lily.

“It was a Radio Flyer that my sister had found on the side of the road … this beat-up thing covered with leaves and rust and sticks hanging off it, and I thought, that will work,” she said. “By the end of the trip I had named her Lucy, because I thought this is more than just a wagon, this is my personal assistant.”

Stretching the limits of her creativity is nothing new for Farmer. Along with partner Kirsten Soria, who is the baker half of the duo, they’ve created completely edible cakes that look like a Monopoly Game, Manolo Blahnik shoes, Academy Award statues, Santa Barbara’s downtown district, Michael Jackson and an exact replica of the Four Seasons Biltmore Resort.

“Every artist’s dream is to make a living doing what they love,” said Farmer, who studied illustration and design at the Fashion Institute before fate intervened and she began working with baked goods at Debbie’s Delights.

“For me, cakes are clay. Cakes are a canvas. Each one is a personal challenge to me to create something new and fantastic,” Farmer said. “Everything I have ever studied, painting, sculpture, graphic design, illustration, jewelry design, all comes into play when creating our cakes.”

In addition to the dozens of weddings, birthdays and events on the docket for Sugar, coming up soon is a Halloween photo shoot commissioned by Child Magazine. It’s a safe bet that whatever witchy creation Sugar comes up with will not only be incredibly clever, but extremely delicious as well.

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For more information visit, www.sugarcakes.com. Sugar is open by appointment only Thursday-Saturday. Call 683.5600 or 452.4659 to schedule a complimentary tasting.

Originally published in South Coast Beacon. Click here to read the story on that site.

First Time Home Buyers: Lowered Expectations

Image by phanlop88 freedigitalimages.net

Image by phanlop88 freedigitalimages.net

Like many first time homebuyers, Jennifer Cartwright and Bob Freed had to lower their expectations a bit when they set out to buy something on the South Coast. When they originally saw their condominium at 235 Aspen Way in Santa Barbara, they didn’t like it. “After seeing what was out there and the locations and prices, that’s where everything kind of just clicked that this had pretty much everything we wanted,” said Freed of the two bedroom, one and a half bath condo they recently purchased for $453,000.

Price was definitely part of what influenced the purchase, said Cartwright. In October, the then-engaged couple (who wed in late April) were “just kind of investigating options” with realtor/friend Bob Curtis. “We didn’t care if it was a house or a condo. We didn’t think we would be able to afford anything in the first place,” she said.

“It was all timing. What we basically wanted to do is stop paying the man. It’s just a different way of looking at savings,” said Freed.

The money for their down payment was an inheritance from Cartwright’s grandmother. “We got really lucky,” said Freed, who was sharing a house with roommates at the time, while Cartwright lived in a studio apartment. The condo had been recently painted and carpeted and didn’t need much work.

The couple also gave a lot of credit to their realtor. “Bob is an excellent real estate agent. He really took the time to kind of teach us all there was to learn about,” said Freed.

“And we had a lot of questions. Poor Bob, we were calling him daily almost,” added Cartwright. “Before we even looked at things, he set us up with Metro City Mortgage, which was our mortgage broker and told us all the right things to do. … Then when we went out to go look, we knew what we could afford. We weren’t in the dark,” she said.

The condo they purchased had been on the market for several months, unusual in Santa Barbara. “It was overpriced … It was on the market for 180 days or something like that. People were thinking that it was a lemon because no one had bought it right away, but that was because they listed it way too high,” said Cartwright.

The sellers lowered the price and Cartwright and Freed took the plunge and made an offer — after looking at places for only about a week. “I asked Bob at that time, I said are we moving too fast and what if we wait until the wedding,” said Freed. “Bob said, ‘You know, my gut instinct, if you wait, you’re going to pay $30,000 to $40,000 more.’ And actually condos of this size and this location are going for about 500 now,” said Freed.

While clubhouse amenities weren’t much of an attraction for the couple, who both work for the YMCA, what appealed to them about the condo was its secluded feel and location within the complex. “It’s off the street, further away … with the creek in the back, you’re guaranteed no one’s going to build,” said Cartwright.

“I feel more relaxed when I get home, I don’t know how I’m going to explain this but it’s like you’re really going home,” said Freed. “It’s just a neat feeling.”

Originally published in South Coast Beacon

First Time Home Buyers: Going Condo

Image by phanlop88 freedigitalimages.net

Image by phanlop88 freedigitalimages.net

The quest to buy a condominium on the South Coast can be grueling on the nerves. “It was crazy. You’d go out and at every open house … you’d see all the same people all the time,” said Cari Thomas, who recently purchased a San Roque condo with her husband Sam. “They started looking like your competition. Like you didn’t want to smile at anybody.”

“I think our biggest surprise was the amount of demand and the fact that there were multiple offers over the asking price,” said Sam. The Thomases looked at dozens of condos and were outbid on six different places before purchasing their new home at 3663 San Remo Drive for $560,000.

We feel like we lucked out, said Cari.

“Once you get a firm understanding of the market, your standards change a little bit. There were places the first weekend we looked that were significantly less money that were not as nice, but a month and a half later we were wishing we would have made offers on those ones that we saw early on,” said Sam.

As is the case with many first-time homebuyers, the two-bedroom, two-bath place the Thomases purchased was more expensive than what they originally budgeted for. When their realtor, Judith McDermott from Village Properties, urged them to “Just drive by and see what you can get for that amount,” they immediately liked it enough to call their loan broker and make the arrangements to make an offer.

“We put five percent down and are using an interest only loan. Some of the money was from savings, some was from a previous 401K plan, and some was an investment from friends,” said Sam.

Part of what sold them on the condo was its immediate livability. “The paint, it’s amazing what paint and color can do. And it was decorated really nicely and the mountain view was pretty,” said Cari. She also liked the fact that the condo overlooks a pool and the rooms were pretty spacious compared to other condominiums.

“It definitely felt modern and we liked how they redid all the architecture on the outside,” said Sam, noting that the kitchen appliances were upgraded three years ago when the complex was converted from apartments to condominiums.

The fact that the association fees were comparatively low was also a plus for the Thomases. Another advantage was the location, close to downtown and their workplace, Cima Management.

At the time of their purchase, they simply saw the Hope School District location as a plus for the condominium’s resale value. However, the Thomases have since learned they’re expecting their first child in November.

“It (the school district) wasn’t something we were searching for initially, but now it worked out great,” Cari said.

Originally published in South Coast Beacon

First Time Home Buyers: Adventures in Home Buying

Image by phanlop88 freedigitalimages.net

Image by phanlop88 freedigitalimages.net

Sometimes the first house you have your heart set on isn’t the one that you’re meant to have. That was the lesson Gloria Herrera and Martin Ibarra learned during their recent home-buying adventure.

After losing bids on several homes, the couple, who share a home with their daughter and Ibarra’s mother, was ready to compromise on their dream house. While they really wanted to stay in Santa Barbara, they also looked at properties in San Ynez and Buellton. Plus, they needed at least three bedrooms and they didn’t want a condominium.

This market is very competitive and difficult, said their Realtor Nicole Dinkelacker, who’s with Remax in Goleta. “It’s a lot more complicated than just finding a property.”

In the case of Herrera and Ibarra, Dinkelacker was ready with the check for a “compromise house,” when she found out that another property they had bid on earlier was available for an additional $5,000.

“Usually $5,000 you’re like oh my God, $5,000,” said Herrera. “At this point, $5,000 was like $5 to me … for a bigger property and an extra room.” Herrera said she thought the fact that she and Ibarra are both native Santa Barbarans (who met at Santa Barbara High School) was what sealed the deal for the home they eventually purchased for $700,000.

The four-bedroom, two-bathroom home on a 900 square foot lot on Noma Street in Carpinteria was a good buy, compared to what was available in Santa Barbara. “We lucked out,” said Herrera, noting that in addition to more square footage, most of the house had new carpet and had been newly painted.

Regarding making home improvements, “It’s not like you have much money left after buying the house. You pay your bills and you pay your mortgage and then … Home Depot,” said Herrera.

“Yeah, we tend to be at Home Depot a lot more, that’s for sure,” laughed Ibarra.

“When we first got the house, it wasn’t as pretty. I put in palm trees and flowers. … I think a year from now it will definitely be a lot more how we envisioned it. …You only have the weekend to really do much.”

Although fixing up the house is an ongoing project, Herrera said she’s ready to relax and enjoy the house for a while. “Even though it’s a very tight budget, … you kind of spend your weekends here at home. Sometimes it’s by choice and other times because you really have no other form of entertainment you can afford. But at least it’s yours and you know that little by little, it will get easier. … We have something that a lot of people have a hard time trying to obtain.”

“I know she had her heart set on the first house … and I know when that didn’t come through she got down. But like I told her, it’s either meant to be or not,” said Ibarra. “(I told her) we’re going to find something down the road that’s going to be much better. And soon we were able to find this.”

Originally published in South Coast Beacon

It’s all about hue!

Image by gubgib freedigitalphotos.net

Image by gubgib freedigitalphotos.net

Gone are the days of a one-color-fits-all approach to decorating. Now homeowners are choosing colors to illicit a mood and perk up a room’s decor.

Wall color is one of the easiest and least expensive ways to add some color to your home, said Pat Musarra, owner of Affordable One-Day Design.

Ralph Lauren even offers Color Testers, a new product line that allows you to sample the complete palette. Each Color Tester packet provides paint coverage in a satin finish for 2-foot by 2-foot sections of wall, retails for $3.99, and may be purchased online at www.rlhome.polo.com.

Even if you’re leery of paint, with so many varieties of home accessories available, it’s easy to start small and experiment boldly with color on items like throw pillows, vases, candles, slipcovers, candy dishes, sheets and towels and table linens.

“New lighting is very important. Just changing lampshades can have an enormous impact,” said Musarra, who also recommended taking a look down at your floors. “Area rugs or maybe pulling up wall-to-wall carpeting and laying down a hardwood floor or some kind of new laminate floor … Especially if the wall-to-wall carpeting is old or the color’s outdated.”

In addition to freshening your home’s look, colors can be used to create a mood.

“Red will wake up a room,” said interior designer Rosemary Sadez Friedmann. “It should be used as an accent in accessories, part of a pattern in upholstery or one impressive chair or bench. Red is a good color to have in a nursery because it stimulates and aids the development of neural connections in an infant’s brain.”

Musarra said she’s seen red — and other bright colors — used a lot as a kitchen accent color, with coffee makers, mixers and other small appliances now available in a wide variety of colors.

Orange is another color that is “uplifting, stimulating and enlivening,” according to Barbara Richardson, director of color marketing for ICI Paints. “It has the ability to raise our spirits and to make us feel optimistic — a quality that is in high demand right now.”

“Yellow would be a good color for a workout room, particularly if aerobics were involved. It’s also a good color for a game room, study or office because it helps to keep you attentive. A yellow bathroom will take the chill out of the air,” said Friedmann.

Whatever color you choose to update your home’s look, experts advise you start small, with maybe a few throw pillows or some new kitchen linens.

“It’s amazing how many inexpensive ways there are to update your home,” said Musarra, who specializes in quick and cost effective design strategies.

Musarra charges a flat fee of $200 for her services, which include a two-hour home consultation, followed up with a written design plan.

“I also restyle the room for you while I’m there,” she said. “Move furniture in, move some out, re-hang artwork, re-group accessories, and give a room a whole new makeover, using basically what the client has and at the same time, offering suggestions as to what she or he should buy to complete the look they’re trying to achieve.”

What colors are hot

“It” is either Violet Tulip, Coraly Orange, Full Bloom (a Salmony Pink) or Turquoise Blue, depending on which expert you ask about the “it color” in home decorating this year.

“I’m seeing a lot of pinks and salmon and turquoise and brown, not my favorites, but I am seeing a lot of those colors,” said Pat Musarra, owner of Affordable One-Day Design.

Pantone – the company that crowned violet tulip as this year’s queen – has even created a new color system called Colorstrology, which “infuses elements of astrology and numerology with the spirituality of color.”

According to Michele Bernhardt, creator of Colorstrology, 2005 will resonate with spirituality and healing.

“The year will begin with a heavy influence in regard to foreign affairs, education, religion and sports. Peace, balance and cooperation in all types of relationships will be a major theme and can also be a major challenge. Violet tulip can help us see past our differences while dissolving our feelings of separateness,” said Bernhardt.

At www.colorstrology.com, you’ll find your personal birth color, along with a personality profile and advice on your color vibe. September, for example, is Baja Blue, “a divine and alluring color that resonates with beauty, purity and wisdom.” This color “can help ease tension and promote tranquility,” making it an ideal choice for a bedroom or a yoga studio.

Taking the color horoscope a step further, a Virgo born on Sept. 8 would have Etruscan Red as their personal color for the year, a color that “corresponds with depth, vitality and passion.”

According to the site, “wearing, meditating or surrounding yourself with Etruscan Red inspires you to move through life with energy and wisdom.”

Sounds like a good color to decorate the office.

What color is your mood?

Here are some color guidelines based on the type of mood you want to create.

RED__Use red for excitement. It is associated with power, passion, dominance, activity and heat. It represents youthfulness, impulse and intensity. Red is also a grounding color and can make you feel secure.

ORANGE__Orange represents excitement and can be stimulating. It can make you feel like hurrying and that is why it’s usually a color used in fast-food places and quick mart-type stores. They want you in and out quickly. Happiness, liveliness, exuberance and boldness are also associated with orange.

BLACK__Use black to evoke drama, elegance, power, sophistication and mystery. Black is also associated with death, fright, aloofness, fatigue, cold, darkness and bereavement.

YELLOW __Yellow is eye-catching, inspirational and raises ones spirits. It is also said to aid digestion, communication and sharpen memory. Design experts advise you treat yellow like sunlight. You want it around for the happiness it produces but you don’t want it to be overpowering.

GRAY__Gray is said to be steady, resigned, stable, deliberate, guarded, dignified, indecisive, disciplined, protected, cool and neutral.

PURPLE__Purple can be used to increase spirituality and enlightenment. It evokes feelings of elegance, restfulness, supremacy, creativity, royalty and reverence. Purple is also said to promote peace, quiet overactive glands and lower blood pressure.

BLUE__Blue is a breath of fresh air, evoking feelings of openness, tranquility, serenity, restoration and well being. It is also said to lower respiratory rates, promote relaxation and increase healing.

BROWN__Brown reminds us of nature and the earth. It is also said to be restful, rich, casual, tranquil, safe, homespun, reliable, stable, sturdy and simultaneously cool and warm.

GREEN__Green reminds us of harmony, balance, compassion, wealth, security and growth. It is said to promote relaxation and refresh the spirit. Green is also a good color to promote health, although it may not reflect well on all skin tones.

WHITE__White evokes feelings of cleanliness, simplicity, safety, purity, enlightenment, individualism, idealism, optimism, joy, innocence, hope and reflection.

Want to find the real hue?

Take this completely unscientific quiz to find out which color (or colors) suit your inner self.

Check off all of the descriptions that apply to you, then count how many A, B, C, D, E and F personality traits you had. That’s your true hue.

B. I frequently rearrange my furniture and repaint my walls.

B. I love jury duty.

E. I always tell the truth, even if it hurts.

D. I often engage complete strangers in conversation.

E. I feel overwhelmingly compelled to pipe up during city council meetings.

B. I burn the midnight oil at work and volunteer for extra tasks.

F. I am a back-seat driver.

D. I would rather shop at a farmers’ market than a mall.

C. The hardest part of throwing a party is deciding the menu.

F. I am the boss, or I should be.

F. I feel good about me, especially when I compare myself with others.

B. I love details.

D. I define myself by my parenting skills.

A. I was never good at sharing.

B. Someday I’m going to chuck it all and go live in the wilderness.

C. Home is the center of my world.

D. When friends call, I can be counted on to help.

E. Winning isn’t everything; it’s the only thing.

A. My friends and family say I’m stubborn. What do they know?

F. Some might find me arrogant.

A. Hallmark commercials make me cry.

A. I’m the first to volunteer for charity functions and luncheons.

C. Pushover doesn’t even begin to describe how easy it is to talk me into things.

Your True Hue

A. Seeing green.

You are confident and caring, and would feel good in a room of sage, basil or celadon. The new greens for 2005 will lean toward the seashore tones. Botanical-inspired greens remain popular.

B. Yellow fellows.

You will feel energized in a room with buttery walls and mahogany furniture. Let in the light with minimal window coverings. The new yellows for 2005 will lean toward ochre and gold.

C. Purple people.

Forget practicality; celebrate your spirit with shades of violet, lavender and silver. Use eggplant or plum as an accent.

D. Orange you glad.

You love food, home and entertaining. Surround yourself with pumpkin, copper or muted auburn. Orange will bring cheerfulness and order to your home.

E. Blue you.

Your dependable, serene nature will feel at ease in rooms washed in shades of gray-blue and soft turquoise — both popular colors for 2005. Definitely use blue in bedrooms for a peaceful night’s sleep.

F. Red hot.

You like to be in charge. Choose red for accents: think floral arrangements rather than carpets. Or start small in the kitchen with a new fire engine red coffee maker.

Originally published in South Coast Beacon (2003)

Mixed Messages

Television by Salvatore Vuono (freedigitalphotos.net)

Television by Salvatore Vuono (freedigitalphotos.net)

Be careful — what your kids watch may be hazardous to their health and your wallet.

If TV is “chewing gum for the eyes,” as Architect Frank Lloyd Wright once said, it may be causing more than tooth decay in children — TV may also be making them fat, according to two new studies.

“The more than 1,000 hours that the average school child will spend in front of the television this year will harm him or her far more than the one second of Janet Jackson’s breast,” said TV-Turnoff Network Executive Director Frank Vespe.

The typical child sees about 40,000 ads a year on TV and the majority of ads targeted to kids are for candy, cereal, soda and fast food, a report by the Kaiser Family Foundation found. In addition, many of the ad campaigns enlist children’s favorite TV and movie characters — Spongebob Cheez-Its, Scooby-Doo Cereal, Teletubbies Happy Meals, to name a few — to pitch products.

Apparently the $12 billion per year spent on advertising to youth works. “Commercials make people want to buy things, like Cox high speed internet,” said 4-year-old Sophia Bordofsky.

Indeed, a series of studies examining product choices found that children recalled content from ads they’d seen, and their preference for a product occurred with as little as a single commercial exposure and grew stronger with repeated exposures, found a recent report by the American Psychological Association. The Kaiser study also found that exposure to food advertising affects children’s food choices and requests for products in the supermarket.

While there’s no doubt that advertisers are selling to children, not everyone is buying. Many parents restrict their children’s viewing. “They do have to do their homework first and they have to take turns picking a show,” said Misty Bordofsky, Santa Barbara mother of four children aged 4 to 13. “Usually they’ll leave the room and go do something else if it’s the show another kid picked,” she said.

Numerous parents may limit their children to watching videos and commercial-free television and a rare few don’t let their kids watch TV at all.

“I am appalled by marketing that targets children with ads for junk food and toys. Young children are not able to understand the inherent bias of an advertisement. They are easy targets,” said Charla Bregante, a Goleta mother of two who is in that 2 percent demographic that does not own a television.

“Most of the advertising during children’s programming is for junk food such as candy, chips, and sugared cereals. Kids are given the message that these foods are desirable and nag their parents to buy them. In addition, children tend to snack more while they are watching TV. Turning off the TV is one of the best ways to fight obesity in children. Almost any other activity will use more energy than sitting in front of a television,” said Bregante.

“While older children and adults understand the inherent bias of advertising, younger children do not, and therefore tend to interpret commercial claims and appeals as accurate and truthful information,” said psychologist Dale Kunkel, a professor of communication at UCSB and senior author of the APA report, which recommends restricting ads targeting children under the age of 8.

“I can tell you that my children rarely nag me for a specific toy or food item. I believe this is because they are not exposed to television advertising and the consumer culture promoted in television programming,” said Bregante, who encouraged families to participate in TV-Turnoff Week, April 19-25 (www.tvturnoff.org).

Is there anything positive for kids on television? Yes, according to Professor Kunkel: “There are lots of positive influences that may result from children’s viewing of certain pro-social or educational programs. The problem is that parents have to mine the media landscape pretty hard to find those occasional nuggets.”

Television is an (almost) inescapable part of modern culture. “With the recent explosion in satellite and digital specialty channels, we now have access to a plethora of both good quality and inappropriate TV content. In this crowded television environment, the key for parents is to search out high quality TV programs for their kids, and whenever possible, enjoy them together as a family,” recommends the Media Awareness Network, a nonprofit organization that focuses on media literacy.

For parents who don’t want to opt out completely, David Kleeman, Director of the American Center for Children and Media, recommends that parents ask the following questions to select viewing that is good for children:

Does the program actively engage my child, physically or intellectually? Television watching doesn’t have to be passive. It can prompt questions, kindle curiosity, or teach activities to pursue when the set is off.

Does my child see others like himself or herself on television? Young children believe that television reflects the real world. To not see people like themselves — in race, ethnicity, or physical ability, for example — may diminish their self-worth. A lack of role models should spark discussion about how TV portrays different types of people.

Do I respect this program? Parents don’t have to like every show their children choose — in fact, young people need their own district culture. But parents should trust that a program’s creators understand and respect how children grow and learn.

Originally published in South Coast Beacon