Karen and her guest host, Shelley Wells start this podcast with houses that are on the market in Ventura County, from the beach to the hillsides there are beautiful homes available now. Karen & Shelley's first guest is Crista Hermance a trust attorney who is an expert in creating a trust that protects your family's estate and assets. From choosing a trustee, living trusts, making an estate plan, probate courts and trust administrators. This process is easy when you have an expert like Crista Hermance who creates your estate plan, will or trust. Their next guest takes a deep dive into insurance, car insurance, home insurance, umbrella policies and more, Denise Pomboonreung with Paladin Insurance has the answer. Denise breaks down this complex conversation into language that's easy to understand, from shock losses, to how a credit score affects insurance and more. Plus Reverse Mortgage information with Shelley Wells, The Reverse Mortgage Queen! A must listen with Girls On The Air!

Karen & Janet spend this entire podcast with Krista Pleiser who is the Chief Government Relations Officer for the Santa Barbara Association of REALTORS® and co-founder of Smart Coast California. Ms. Pleiser started her career in Los Angeles where she worked for several Los Angeles City Council members and a State Senator. For the past 18 years, she’s managed the Santa Barbara Association of REALTORS® political activities, reviews public policy, and works with elected leaders and government staff in the development of housing policies. In 2018, Krista and co-founder and CEO Marta Golding Brown conceived the idea of Smart Coast California, a 501(c)3, and since then have been working on creating a collaborative stewardship of the coast which entails community sustainability, property rights and the environment.

Karen & Janet have filled this podcast with essential information, something for everybody in Ventura County! They start with home buying and rental opportunities from the beaches to the hills of Ventura County, awesome homes. Their first guest is Derek Contreras from Smart Home Mortgage with great news on rates that are now as low as 5.5% and there are many programs for different buyers, Derek has the right program for your needs. Denise with Paladin Insurance talks about the most important part of your insurance policy and that is the Declaration Page a must do when insuring your home! Ginny with Home Helpers Home Care that enables people to have Independence at Home, Home Helpers Home Care puts a caregiver in your home for one hour a day or 24/7. Make sure you and your loved ones are happy and safe with Ginny's expertise. Karen & Janet wrap up the podcast with Bob Davis inviting you to December's First Wednesday on the third in Santa Paula at 10th & MainThe Beneficiary is "The Spirit of Santa Paula" A great way to start the spirit of giving during the holiday season!.