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Ask Dr. Bunny. What is Lyme Disease? Amanda Rossi, guest.

Amanda_Rossi

Amanda_RossiAmanda Rossi joins Dr. Bunny to discuss Lyme disease.  Amanda shares her personal story about her journey & health issues that she experienced that finally led doctors to discover she had Lyme disease.  Amanda talks about how it has affected her life, her serious challenges when her Lyme disease flares up, and what she has done to improve her health.

An extremely interesting & informative interview!

Here is what Wikipedia has to say about Lyme disease:

Lyme disease, also known as Lyme borreliosis, is an infectious disease caused by bacteria of the Borrelia type.The most common sign of infection is an expanding area of redness, known as erythema migrans, that begins at the site of a tick bite about a week after it has occurred. The rash is typically neither itchy nor painful. Approximately 25–50% of infected people do not develop a rash. Other early symptoms may include fever, headache and feeling tired. If untreated, symptoms may include loss of the ability to move one or both sides of the face, joint pains, severe headaches with neck stiffness, or heart palpitations, among others. Months to years later, repeated episodes of joint pain and swelling may occur. Occasionally, people develop shooting pains or tingling in their arms and legs. Despite appropriate treatment, about 10 to 20% of people develop joint pains, memory problems, and feel tired for at least six months.

Lyme disease is transmitted to humans by the bite of infected ticks of the Ixodes genus. Usually, the tick must be attached for 36 to 48 hours before the bacteria can spread. In North America, Borrelia burgdorferi sensu stricto and Borrelia mayonii are the cause.  In Europe and Asia, the bacteria Borrelia afzelii and Borrelia garinii are also causes of the disease. The disease does not appear to be transmissible between people, by other animals, or through food. Diagnosis is based upon a combination of symptoms, history of tick exposure, and possibly testing for specific antibodies in the blood. Blood tests are often negative in the early stages of the disease. Testing of individual ticks is not typically useful.

Lyme disease is the most common disease spread by ticks in the Northern Hemisphere. It is estimated to affect 300,000 people a year in the United States and 65,000 people a year in Europe.  Infections are most common in the spring and early summer. Lyme disease was diagnosed as a separate condition for the first time in 1975 in Old Lyme, Connecticut. It was originally mistaken for juvenile rheumatoid arthritis. The bacterium involved was first described in 1981 by Willy Burgdorfer. Chronic symptoms are well described and are known as post-treatment Lyme disease syndrome, although it is often called chronic Lyme disease. Some healthcare providers claim that it is due to ongoing infection; however, this is not believed to be true. A previous vaccine is no longer available. Research is ongoing to develop new vaccines.

Contact Amanda Rossi by e-mail at amandarossi22@gmail.com

Contact Dr. Bunny Vreeland at (805) 482-8111 or E-mail: Bunny@BunnyVreeland.com
Also visit:  http://bunnyvreeland.org/  http://vreelandcollege.org/

Ask Dr. Bunny. What is Lupus? Dora Chavez, guest

Dora_Chavez

Dora_ChavezDora Chavez joins Dr. Bunny to discuss the autoimmune disease, Lupus – what it is, what to do if you get diagnosed with it, and what can be done to treat it. 

Dora shares her personal story of being diagnosed with Lupus, the process of how the doctors finally figured out that it actually was Lupus, and how she sought treatment. 

An interesting and informative interview with a very special woman!

Here’s what Wikipedia has to say about Lupus:

Lupus, or Lupus erythematosus, is a disease of the immune system. It is chronic, which means it does not go away. It is an autoimmune disease, where the person’s immune system attacks their own body.

The immune system is partly made up of white blood cells in your body that fight off disease. In lupus, these white blood cells think that the healthy cells of the body around them are diseased, so they end up attacking healthy parts of the body. Lupus can be deadly. It causes swelling and tissue damage, and can attack any part of the body. It most commonly affects the heart, joints, skin, lungs, blood vessels, kidneys and the brain/nervous system.

Some symptoms include: fatigue, fever with no cause, hair loss, mouth sores, sensitivity to sunlight, a skin disease, and Raynaud’s syndrome. There is treatment for lupus, called immunosuppression, which is medicine that stops the white blood cells from damaging healthy cells for a while. After a while, this medicine wears off, and then the white blood cells go back to hurting healthy parts of the body again. For the disease of lupus, there is no cure that stops the white blood cells from attacking healthy parts of the body forever, but doctors are not giving up on finding a cure.

In the United States alone, there may be 270,000 to 1.5 million (1,500,000) people with lupus. Worldwide, it is estimated (not known for sure, but a good guess) that over 5 million (5,000,000) people living with lupus.   The disease mainly affects young women, but men can be affected as well.

Contact Dora Chavez by e-mail at dora.chavezz@gmail.com

Contact Dr. Bunny Vreeland at (805) 482-8111 or E-mail: Bunny@BunnyVreeland.com
Also visit:  http://bunnyvreeland.org/  http://vreelandcollege.org/

Ask Dr. Bunny. What’s the story of Jafra? Terina Brandsberg and Sara Hipple, guests.

sarahipple_terinabrandsberg

sarahipple_terinabrandsbergTerina Brandsberg and Sara Hipple join Dr. Bunny to discuss Jafra, and how it has truly changed their lives!  Are you familiar with Jafra?  Jafra is skincare, makeup, spa products, fragrances – and so much more!  Tune in and learn how this great company has helped so many people, in so many ways!

About Jafra:

We celebrate the unique spirit within every woman. And all those little, lovable things that make you imperfectly perfect and individually beautiful. We celebrate all that you are, all that you do and all that you’re capable of.

That’s why we create beauty products and business opportunities that cater to all that you need. Allowing you to explore, discover, reinvent and reveal your true potential. And always radiate your unique, beautiful self.

At JAFRA, we believe in making confidence contagious, spreading success and inspiring individuality. We’re here to make your best even better, your smile a little wider, and your future all the brighter.

JAFRA—freedom to be you.

Jafra’s Heritage:

The year is 1956.  Elvis Presley first hits the music scene.  Grace Kelly marries Prince Rainier of Monaco.  Non-stick frying pans are introduced.  And JAFRA is born.   The place is Malibu, California, a beautiful oceanside community along the Pacific coast.  The co-founders are a young couple with a vision and a dream, Jan and Frank Day.  JAFRA’s unique name was derived by combining its co-founders’ first names (JA + FRA).    Jan and Frank studied the ancient beauty secrets of the Egyptians and the legendary Royal Jelly Milk Balm was born.  Royal Jelly became an overnight success and it has remained JAFRA’s signature product to this day.  The company expanded to include product collections in Skincare, Fragrance, Makeup and Bath & Body.   The Days’ dedication to empowering women went beyond helping them look and feel their best. JAFRA also provided women the opportunity to sell the JAFRA products as Independent Consultants.   Today, the Day legacy lives on in JAFRA’s mission and values. JAFRA Cosmetics International creates beauty products and business opportunities that cater to all that women need, allowing them to explore, discover, reinvent and reveal their true potential. With the slogan “freedom to be you,” JAFRA celebrates the unique spirit within every woman, and all the things that make her imperfectly perfect and individually beautiful.   JAFRA is committed to achieving its mission of transforming the lives of millions of women around the world!

Contact Terina Brandsberg at (805) 625-1820 or on Facebook at www.facebook.com/terinabrandsberg

Also visit: www.myjafra.com/terinabrandsberg

Ask Dr. Bunny. What is the Mossy Foot Project? Kevin Daly, guest

Mossy-Foot-Stories-Edited

Mossy-Foot-Stories-Edited

Kevin Daly, Vice President of the Mossy Foot Project, joins Dr. Bunny to explain what the Mossy Foot Project is, why it is so important to know about, and what is being done to help.  This is a fascinating and informative interview that you need to hear!

About the Mossy Foot Project:

The Mossy Foot Project works on raising the level of awareness about podoconiosis in the Western world and focuses on its prevention, treatment, and eradication among those who are at risk in Ethiopia. Our work is presently centered in the town of Soddo, Wolaitta zone in southern Ethiopia.

We have been a registered NGO in Ethiopia since 2000, chartered with the mission to treat and eradicate podoconiosis, and a licensed 501c(3) organization in the US since 2006.

We provide medical treatment, education, vocational training and both social counseling and emotional support to individuals and their families who are afflicted with podoconiosis.

Mossy Foot Project takes a holistic approach to addressing this disease by providing care for whole person. Along with sharing  physical care and education to reduce symptoms, we also provide vocational training  to assist families and establish a means for livelihood, and offer income generating opportunities so they can start businesses to support themselves. In addition, we offer social counseling emotional support.

About the Mossy Foot Stories book:

We are also excited to announce our first book!  Mossy Foot Stories is a collection of patient stories demonstrating how the treatment offered by Mossy Foot Project has brought men, women, and children from misery and ostracism to restoration and wholeness.

We’re sure you will enjoy this opportunity to read these detailed accounts of special individuals who have been touched through your partnership with us.

You can purchase the book at Amazon in either print or Kindle format.

The e-book will also be available for  iTunes, Google books, and Kobo books on their sites.

This collection of stories reflects the legacy of  Dr. Nathan Barlow and the continuing work of the Mossy Foot Project, which he founded. All proceeds from the sale of this book will go to support the operational cost of continuing to serve mossy foot patients in Ethiopia.

Please share this book with others who you think might like to know more about what we do. And if the book touches your heart, consider writing a review on one of the sites where it is sold recommending it to others.

Contact Kevin Daly and the Mossy Foot Project at (805) 216-9628

Contact the Mossy Foot Project at: http://mossyfoot.com/contact/

Also visit: http://mossyfoot.com/

Contact Dr. Bunny Vreeland at (805) 482-8111 or E-mail: Bunny@BunnyVreeland.com
Also visit:  http://bunnyvreeland.org/  http://vreelandcollege.org/

Ask Dr. Bunny. Why is knowledge of investments important? Meyer Levy, guest

Meyer

MeyerMeyer Levy joins Dr. Bunny to discuss investments, real estate, and how he helps people save money everyday!

Meyer is a fascinating person with an amazing story, and it is clear that he loves what he does!  He shares his vast knowledge regarding the three main factors to look for in an investment, his opinion regarding gold, silver and diamond investing, and how YOU can pay your mortgage much faster! Meyer also gives insight on reverse mortgages, and why buying real estate can be your best investment.

Tune in for tons of valuable info in this very special interview!

What is a reverse mortgage:

A reverse mortgage or home equity conversion mortgage (HECM) is a type of home loan for older homeowners that requires no monthly mortgage payments. Borrowers are still responsible for property taxes and homeowner’s insurance.

Wikipedia defines an investment:

To invest is to allocate money (or sometimes another resource, such as time) in the expectation of some benefit in the future.

In finance, the benefit from investment is called a return. The return may consist of capital gain or investment income, including dividends, interest, rental income etc., or a combination of the two. The projected economic return is the appropriately discounted value of the future returns. The historic return comprises the actual capital gain (or loss) or income (or both) over a period of time.

Investment generally results in acquiring an asset, also called an investment. If the asset is available at a price worth investing, it is normally expected either to generate income, or to appreciate in value, so that it can be sold at a higher price (or both).

Investors generally expect higher returns from riskier investments. Financial assets range from low-risk, low-return investments, such as high-grade government bonds, to those with higher risk and higher expected commensurate reward, such as emerging markets stock investments.

Investors, particularly novices, are often advised to adopt an investment strategy and diversify their portfolio. Diversification has the statistical effect of reducing overall risk.

Contact Meyer Levy at (818) 257-8550 or E-mail:  meyer3060@yahoo.com

Contact Dr. Bunny Vreeland at (805) 482-8111 or E-mail: Bunny@BunnyVreeland.com
Also visit:  http://bunnyvreeland.org/  http://vreelandcollege.org/

Ask Dr. Bunny. What is The Great Catsby and how can it help save lives? Barbara Hinton, guest

BarbaraHintonCat

BarbaraHintonCatBarbara Hinton joins Dr. Bunny to discuss cats and a very exciting upcoming event:  The Great Catsby!   Barbara also shares her experiences being an owner (or being owned? 🙂 of 5 lovely cats, being a foster parent for rescued cats, and volunteering with cat rescues.  Tune in to learn how you can have fun & help rescued cats – and dogs, too!

About The Great Catsby event:

Come celebrate on the 3rd Annual Ties & Tails Gala – “The Great Catsby” at the beautiful Sherwood Country Club, 320 W Stafford Rd, Westlake Village, on March 11, 2017, 5:30 pm – 10:00 pm.  Cocktail Hour, sit down dinner, goodie bags with the amazing Timothy Jay candles, live and silent auction and the Pawsitive Awards.  Tickets go on sale January 23, 2017.   Individual ticket price – $200

Sponsorship and Auction Items needed. If interested email chad@pawworks.org

About Paw Works:

We Shall Lead, Protect, Heal, Comfort and Shelter Those Who Cannot Speak for Themselves.

By working together, we can end the senseless killing of healthy, adoptable animals through education that promotes responsible pet ownership.

Paw Works is a nonprofit rescue organization that partners with county and city shelters to give abandoned animals a second chance at life. Through pet adoption and community programs, we focus on responsible pet ownership and solutions that address animal overpopulation and abandonment.

Responsibility:

Pet overpopulation has become a national crisis. According to the Humane Society:

  • Every 13 seconds, a healthy, adoptable dog or cat is euthanized in a U.S. shelter.
  • Almost 3 million pets are put down in shelters every year, and about 80 percent of them are healthy and could have been adopted into new homes.

Our mission is to drive transformative change in animal rescue, one pet at a time, as we expand the “No Kill” county model throughout California. We are working to promote pet ownership through education and programs that offer free spaying and neutering, training and veterinary care in underserved and low-income areas.

Also visit: http://pawworks.org/

About Greyfoot Cat Rescue:

Also visit: http://greyfootcat.rescuegroups.org/

Contact Dr. Bunny Vreeland at (805) 482-8111 or E-mail: Bunny@BunnyVreeland.com
Also visit:  http://bunnyvreeland.org/  http://vreelandcollege.org/

Ask Dr. Bunny. What’s the Jeff and Aaron Show? Jeff Lane and Aaron Freedman, guests

Jeff & Aaron

Jeff & AaronAaron Freedman and Jeff Lane join Dr. Bunny for a fun and funny discussion about the “Jeff and Aaron Show” podcast.  Jeff and Aaron share their story about how they decided to create a podcast & their method for keeping things spontaneous & ‘organic’!  These two guys are a blast to talk with, and have lots of great insight, too!  Tune in and prepare for a whole lotta comic relief!

About Jeff Lane:

Jeff Lane is a lifelong resident of Camarillo.  He attended Camarillo high school class of 87, and followed his father into construction contracting.  Jeff is a recovering alcoholic and drug addict, 21 years sober.  In 2008, he when into full-time ministry as a youth pastor for many years.  He now is a successful independent contractor.
Jeff also leads a tribute rock band called “Love Liberty Disco – a tribute to The Newsboys”.  He’s been married to his wife Michelle for 16 years, and they are a blended family with two children.

About Aaron Freedman:

Aaron Freedman was born in San Diego, CA, and grew up in Camarillo, CA.  He attended Oaks Christian High School class of 2010, studied Economics and Business Law at Cal State University Northridge, class of 2014.  Aaron ran cross country and played basketball in high school, and still enjoys playing basketball weekly in pick-up games.
He has worked at Enterprise Holdings for two years, and is currently in the Car Sales division.  Is not a recovering alcoholic and drinks on occasion.  Currently resides in Santa Barbara, CA.

Check out The Aaron & Jeff Show on Soundcloud:  https://soundcloud.com/user-211950070

Contact Aaron & Jeff on Facebook: https://www.facebook.com/jeffandaaronshow

E-mail: jeffandaaronbanter@gmail.com

Twitter:  twitter@jeff_aaron_

Contact Dr. Bunny Vreeland at (805) 482-8111 or E-mail: Bunny@BunnyVreeland.com
Also visit:  http://bunnyvreeland.org/  http://vreelandcollege.org/

 

 

Ask Dr. Bunny. Divorce Real Estate and What You Need to Know! Betty Fernandez, guest.

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a1318ec352006241-13403Betty Fernandez, real estate professional specializing in divorce real estate, partition actions and other contested matters dealing with real estate, joins Dr. Bunny to discuss exactly what partition actions are – and what you need to know if things turn ugly when you own a property with someone!  This is valuable info that Betty shares with us, so be sure to tune in & learn more!

More info from Betty regarding Divorce, Partition Actions and other contested
matters dealing with Real Estate (Probates and Trusts):

PROPERTY DIVISION MISTAKES . . . they don’t tell you about!

Imagine finding out that you could have shared the expense of repairing items in your home – the roof, the heating, the plumbing – before you released your spouse from liability. Now it’s too late and you are responsible for all the repairs and the bills that should have been equally divided before finalizing your divorce. Would you like to save thousands of dollars, eliminate huge problems and equalize the division of your property?

Major property settlement mistakes can be prevented during the divorce by having an RCS-D Realtor work with you.

By working with me, I will net you more money whether one party wants to keep the house or sell it.

• Because her EX kept the house, one woman was dragged into bankruptcy after his mortgage refinance application was denied post-divorce and their joint mortgage then foreclosed.

• One man discovered his EX’s $216,700 pre-marital debt became HIS debt post-divorce as a lien recorded during the marriage against title to the house he kept.

• Even a REALTOR learned paying off home equity debt didn’t cancel the account. Her EX “maxed” it out with $25,000 debt secured by the house she kept!

• Because she kept the house, one woman had to pay $12,000 of her EX’s attorney’s fees – even with a property settlement “hold harmless” provision!

• During their divorce, the husband was living in the house for the last two years. After the house sold, the buyer received a cancellation notice from the buyer’s insurance company because the seller committed insurance fraud. The husband didn’t disclose the damage and forged his wife’s name and deposited the $17,000 check into a bank account that he didn’t reveal to the court.

Protect your post-divorce credit score and your family’s financial future . . . Whether you keep the house or sell it.

Warning: Damaged credit, foreclosure or even bankruptcy caused by joint mortgage debt or liability from undiscovered liens CANNOT be fixed AFTER your divorce.

So, you must protect yourself during the early stages of divorce. The disposition of your home can present a challenge for which there are no clear-cut answers in California property settlement laws to guide you through the division of real estate property, which is often the most valuable marital asset. You need an expert.

Did you know? The property division in a divorce is final and you can never undo it – even if you realize later that you made a mistake.

Determine Equity – Don’t Rely on the Appraisal
Currently, the loans secured by the property are subtracted from the appraised value of your home. This is how they calculate the equity. When you buy-out your spouse’s share of the equity to refinance your home, this is the number that is used! The appraisal does NOT include a thorough investigation of the condition of the property which could be hiding thousands of dollars in pending repairs and maintenance issues.

Spouse Keeping the House
When you buy a property, you always get a home inspection and termite inspection, so why wouldn’t you get one now during your divorce? A buyer will renegotiate the price or have the work done BEFORE buying the property and is fully aware of the property’s condition.

This option has not been offered to the spouse wanting to keep the house.

When you work with me, I will perform essential real estate due diligence to easily obtain evidence of your actual house value; because getting an appraisal and subtracting the mortgage does not determine the equity in your property.

When you fight to keep the house make sure you are not giving up your financial security in exchange for a house you won’t be able to afford in the long run. After working with me you will be able to determine if keeping the house is in your best interests.

Spouse Leaving the House
Until the Spouse keeping the house refinances the loan, you are equally responsible for the mortgage payment. This will keep you from being able to move on with your life and buy another property.

Finding out the condition of the property is also important for you because it will eliminate any additional expenses and unknown maintenance issues to the other spouse, which may prevent them from paying the mortgage on time, thus affecting your credit months after you’ve moved out!

Discover critical mistakes in divorce real estate beyond the scope of appraisals – preventable during divorce but NOT fixable after.

To prevent major real estate mistakes, use due diligence. Gather information and investigate, using real estate and financial professionals who are trained to protect you during divorce.

Today, divorcing couples have the benefit of divorce-trained real estate teams which will work collaboratively with therapists, attorneys and financial consultants to help them through one of the most emotionally difficult stages of life.

As an RCS-D Realtor, the thousands of dollars I can save you will bring you peace of mind throughout your entire divorce process.

Neutralizing Divorce Real Estate in the best interest of the house –
and each divorcing spouse.

Here’s a story in the VC Star that talks about a real-life case:  Law Deals Moorpark Mom Rough Justice!  Click here to read: http://www.vcstar.com/story/news/columnists/2016/12/03/colleen-cason-law-deals-moorpark-mom-rough-justice/94576734/

Contact Betty Fernandez at (805) 766-1495 Or Email: Betty4RealEstate@yahoo.com

Also visit: Betty4RealEstate.com  CalBRE #01452802

Coldwell Banker Residential Brokerage
300 E. Esplanade Dr., Suite 1640, Oxnard, CA 93036 (Mail)
1190 S. Victoria Ave., #101 | Ventura, CA 93003

Contact Dr. Bunny Vreeland at (805) 482-8111 or E-mail: Bunny@BunnyVreeland.com
Also visit:  http://bunnyvreeland.org/  http://vreelandcollege.org/

Ask Dr. Bunny. More than one kind of Dairy allergy? Elana Daley, guest

ElanaDaley

ElanaDaley

Elana Daley, Arbonne Independent Consultant, joins Dr. Bunny to discuss how a dairy allergy may not be just lactose intolerance.  Elana learned long ago that it was the casein (protein) in dairy that she was allergic to.  Along the way she has discovered what her body is sensitive to, and what helps her feel terrific!

Elana also shares her story about how perfectly Arbonne has fit into her healthy lifestyle!

Tune in and learn more about her fascinating journey.  A very informative interview!

About Elana Daley:  Re-invent, invigorate, and passionately recreate who I am. That’s what Arbonne is doing for me. Have you ever met someone who’s energy is contagious? The entire company is filled with men and women with passion and energy.

“Career Woman gone Mom” is the name of a book I started when I entered motherhood for the first time. I had a true identity crisis. It was difficult to shift from corporate to full time motherhood. I had no idea what would come, and I fell in love with my family. Upon realizing that I did not want to return to corporate life but remain a stay at home mom, I also found that I missed having my own career.

I did not marry until I was over 40 and had my only child late. Before marriage I had started a successful training and coaching company and then stepped into our family business to help my husband while I stayed home raising our son. The work was not fulfilling. I wanted more.   I also knew that returning to coaching and training would require me to travel and I did not want to leave my family.

I attended a Healthy Happy Hour at the insistence of my neighbor. I knew it was about healthy products and I had been invited to other nutritional events with poor quality ingredients. With reluctance I attended. I have many food allergies, so I was cautious. Upon being introduced to the protein shakes, I immediately read the ingredient labels. Then I began reading all the product labels for the clean eating program and tasting each product. I reviewed the details of the 30 Days to Healthy Living program. It followed everything that my doctor of 24 years prior had advised me about eating healthy and training clean. Because of many food allergies, I was still skeptical and thought, “I”ll give it a try”. Being the discount queen, I signed up as a consultant to get the best price and bought the 30 Days To Healthy Living Set and the RE9 skin care line.

My first Clean Eating Challenge went well, but I did not give up sweets. My coach, Tracy Schuetz told me, “if you’re going to do this, do it right and go all the way”. So I started the Clean Eating Challenge again and gave up sweets. I knew I could not make it alone so I invited 3 girlfriends to do it with me. They became my accountability team. My first month I lost very little weight but I lost 1 1/2 inches in my waist, and 1 inch in my hips! As I made eating clean a priority, I realized that this was about getting healthy. I dropped from size 10 to size 6 in two short months. As I began to share my experience, more and more friends wanted results like mine.

The rest is history. I have had great results from the 30 Days to Healthy Living program. I have more energy, my memory is spot on, and I am more alert. I get compliments from strangers on my skin and I tell them about the RE9 skincare line. All I do is share my enthusiasm, my love of the products and most of all my results. It’s a blast reuniting with friends, helping them get results, and growing a business that I believe in.   I never thought I would be in network marketing. It’s hard not to share when I feel so passionately and believe in the products and philosophy of Arbonne. Join me in building your business with Arbonne.

Contact Elana Daley at (818) 324-1863 or E-mail:  elana@daleylandscapeinc.com

Also visit: http://www.arbonne.com/pws/elanadaley/tabs/about-me.aspx

Contact Dr. Bunny Vreeland at (805) 482-8111 or E-mail: Bunny@BunnyVreeland.com
Also visit:  http://bunnyvreeland.org/  http://vreelandcollege.org/

Ask Dr. Bunny. Divorce Real Estate and What You Need to Know? Betty Fernandez, guest.

a1318ec352006241-13403

a1318ec352006241-13403Betty Fernandez, real estate professional specializing in divorce, partition actions and other contested matters dealing with real estate, joins Dr. Bunny to discuss exactly what partition actions are – and what you need to know if things turn ugly when you own a property with someone!  This is valuable info that Betty shares with us, so be sure to tune in & learn more!

More info from Betty regarding Divorce, Partition Actions and other contested
matters dealing with Real Estate (Probates and Trusts):

PROPERTY DIVISION MISTAKES . . . they don’t tell you about!

Imagine finding out that you could have shared the expense of repairing items in your home – the roof, the heating, the plumbing – before you released your spouse from liability. Now it’s too late and you are responsible for all the repairs and the bills that should have been equally divided before finalizing your divorce. Would you like to save thousands of dollars, eliminate huge problems and equalize the division of your property?

Major property settlement mistakes can be prevented during the divorce by having an RCS-D Realtor work with you.

By working with me, I will net you more money whether one party wants to keep the house or sell it.

• Because her EX kept the house, one woman was dragged into bankruptcy after his mortgage refinance application was denied post-divorce and their joint mortgage then foreclosed.

• One man discovered his EX’s $216,700 pre-marital debt became HIS debt post-divorce as a lien recorded during the marriage against title to the house he kept.

• Even a REALTOR learned paying off home equity debt didn’t cancel the account. Her EX “maxed” it out with $25,000 debt secured by the house she kept!

• Because she kept the house, one woman had to pay $12,000 of her EX’s attorney’s fees – even with a property settlement “hold harmless” provision!

• During their divorce, the husband was living in the house for the last two years. After the house sold, the buyer received a cancellation notice from the buyer’s insurance company because the seller committed insurance fraud. The husband didn’t disclose the damage and forged his wife’s name and deposited the $17,000 check into a bank account that he didn’t reveal to the court.

Protect your post-divorce credit score and your family’s financial future . . . Whether you keep the house or sell it.

Warning: Damaged credit, foreclosure or even bankruptcy caused by joint mortgage debt or liability from undiscovered liens CANNOT be fixed AFTER your divorce.

So, you must protect yourself during the early stages of divorce. The disposition of your home can present a challenge for which there are no clear-cut answers in California property settlement laws to guide you through the division of real estate property, which is often the most valuable marital asset. You need an expert.

Did you know? The property division in a divorce is final and you can never undo it – even if you realize later that you made a mistake.

Determine Equity – Don’t Rely on the Appraisal
Currently, the loans secured by the property are subtracted from the appraised value of your home. This is how they calculate the equity. When you buy-out your spouse’s share of the equity to refinance your home, this is the number that is used! The appraisal does NOT include a thorough investigation of the condition of the property which could be hiding thousands of dollars in pending repairs and maintenance issues.

Spouse Keeping the House
When you buy a property, you always get a home inspection and termite inspection, so why wouldn’t you get one now during your divorce? A buyer will renegotiate the price or have the work done BEFORE buying the property and is fully aware of the property’s condition.

This option has not been offered to the spouse wanting to keep the house.

When you work with me, I will perform essential real estate due diligence to easily obtain evidence of your actual house value; because getting an appraisal and subtracting the mortgage does not determine the equity in your property.

When you fight to keep the house make sure you are not giving up your financial security in exchange for a house you won’t be able to afford in the long run. After working with me you will be able to determine if keeping the house is in your best interests.

Spouse Leaving the House
Until the Spouse keeping the house refinances the loan, you are equally responsible for the mortgage payment. This will keep you from being able to move on with your life and buy another property.

Finding out the condition of the property is also important for you because it will eliminate any additional expenses and unknown maintenance issues to the other spouse, which may prevent them from paying the mortgage on time, thus affecting your credit months after you’ve moved out!

Discover critical mistakes in divorce real estate beyond the scope of appraisals – preventable during divorce but NOT fixable after.

To prevent major real estate mistakes, use due diligence. Gather information and investigate, using real estate and financial professionals who are trained to protect you during divorce.

Today, divorcing couples have the benefit of divorce-trained real estate teams which will work collaboratively with therapists, attorneys and financial consultants to help them through one of the most emotionally difficult stages of life.

As an RCS-D Realtor, the thousands of dollars I can save you will bring you peace of mind throughout your entire divorce process.

Neutralizing Divorce Real Estate in the best interest of the house –
and each divorcing spouse.

Here’s a story in the VC Star that talks about a real-life case:  Law Deals Moorpark Mom Rough Justice!  Click here to read: http://www.vcstar.com/story/news/columnists/2016/12/03/colleen-cason-law-deals-moorpark-mom-rough-justice/94576734/

Contact Betty Fernandez at (805) 766-1495 Or Email: Betty4RealEstate@yahoo.com

Also visit: Betty4RealEstate.com  CalBRE #01452802

Coldwell Banker Residential Brokerage
300 E. Esplanade Dr., Suite 1640, Oxnard, CA 93036 (Mail)
1190 S. Victoria Ave., #101 | Ventura, CA 93003

Contact Dr. Bunny Vreeland at (805) 482-8111 or E-mail: Bunny@BunnyVreeland.com
Also visit:  http://bunnyvreeland.org/  http://vreelandcollege.org/

Dr. Bunny

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