In November, a rare kind of breast cancer was found. A lady developed a rash on her breast, similar to that of young mothers who are nursing.

Because her mammogram had been clear, the doctor treated her with antibiotics for infections. After 2 rounds, it continued to get worse, so her doctor sent her for another mammogram. This time it showed a mass.

A biopsy found a fast growing malignancy. Chemo was started in order to shrink the growth; then a mastectomy was performed; then a full round of chemo; then radiation. After about 9 months of intense treatment, she was given a clean bill of health.

She had one year of living each day to its fullest. Then the cancer returned to the liver area. She took 4 treatments and decided that she wanted quality of life, not the after effects of chemo. She had 5 great months and she planned each detail of the final days. After a few days of needing morphine, she died. She left this message to be delivered to women everywhere:

Women, PLEASE be alert to anything that is not normal, and be persistent in getting help as soon as possible.

Paget’s Disease: This is a rare form of breast cancer, and is on the outside of the breast, on the nipple and aureole It appeared as a rash, which later became a lesion with a crusty outer edge. I would not have ever suspected it to be breast cancer but it was. My nipple never seemed any different to me, but the rash bothered me, so I went to the doctor for that. Sometimes, it itched and was sore, but other than that it didn’t bother me. It was just ugly and a nuisance, and could not be cleared up with all the creams prescribed by my doctor and dermatologist for the dermatitis on my eyes just prior to this outbreak. They seemed a little concerned but did not warn me it could be cancerous.

Now, I suspect not many women out there know a lesion or rash on the nipple or aureole can be breast cancer. (Mine started out as a single red pimple on the aureole. One of the biggest problems with Paget’s disease of the nipple is that the symptoms appear to be harmless. It is frequently thought to be a skin inflammation or infection, leading to unfortunate delays in detection and care.)

What are the symptoms?

1. A persistent redness, oozing, and crusting of your nipple causing it to itch and burn (As I stated, mine did not itch or burn much, and had no oozing I was aware of, but it did have a crust along the outer edge on one side.)

2. A sore on your nipple that will not heal. (Mine was on the aureole area with a whitish thick looking area in center of nipple).

3. Usually only one nipple is affected. How is it diagnosed? Your doctor will do a physical exam and should suggest having a mammogram of both breasts, done immediately. Even though the redness, oozing and crusting closely resemble dermatitis (inflammation of the skin), your doctor should suspect cancer if the sore is only on one breast. Your doctor should order a biopsy of your sore to confirm what is going on.

This message should be taken seriously and passed on to as many of your relatives and friends as possible; it could save someone’s life.

My breast cancer has spread and metastasized to my bones after receiving mega doses of chemotherapy, 28 treatments of radiation and taking Tamaxofin. If this had been diagnosed as breast cancer in the beginning, perhaps it would not have spread.

TO ALL READERS:

This is sad as women are not aware of Paget’s disease. If, by passing this around on the internet, we can make others aware of it and its potential danger, we are helping women everywhere.

Please, if you can, take a moment to forward this message to as many people as possible, especially to your family and friends. It only takes a moment, yet the results could save a life.

Do you want to own your own condo or house at a low price, low payment and still be able to be financially secure?

I remember many years ago when we bought our first house; sold it at a profit 8 years later, bought up again, and again. Made some profit for sure; isn’t that what we were supposed to do?

My husband and I also continued to buy “stuff”, because with a bigger house, you need to buy more things to fill it. It also meant buying two cars, commuting to work, etc. Many of us only realize after we buy the big house and the closets of clothing and toys that we have too much stuff and too many financial obligations. Unwinding ourselves from the financial burdens of a big house payment or car lease can be difficult, especially in this economy.

Therefore I have been noticing some changes not only in my family and friends but clients as well who want to downsize. How does one do that?

Make small changes little by little, not all at once. Do not discard all everything at once.

Think about what you want, not what you think you’re supposed to want.  Do not care about the Joneses. We used to want to be like the Joneses, and that only got many of us into debt.  Live below your means because you want to.

Save your money. Even if you earn little interest, at least you saved it.

Depend on spending as little as possible weekly so it is considered a fixed expense. The rest is yours to do whatever you want to do with it – save in savings account, and so on.

You will have less debt, perhaps live in a smaller home or condo and have less obligations. No doubt, you will be happier!

County assessors statewide are releasing this year’s property tax rolls – the total assessed value of all properties in a given county – and most are lower than last year.

The falling values represent good news for many homeowners, who will see lower property tax bills this October.

However, the second straight year of shrinking tax rolls is another blow to local governments that rely on property tax revenue to fund programs and services. The counties need money for funding of schools, clinics, street repair and more.

If there is not enough funds , this means people losing their jobs. It takes people to deliver services.

Last year marked the first time most counties saw property tax rolls drop since voters approved Proposition 13 in 1978. That’s because the market value of many properties dropped below the assessed value. In such cases Proposition 8 – a tax measure passed as a companion to Proposition 13 – requires assessors to temporarily lower the taxable value of properties until the market value climbs again.

Market values have continued to plummet, and as a result, most county assessors have continued to lower the taxable value of properties in their region.

Under state law, counties are allowed to raise property taxes by up to 2 percent a year as long as the overall cost of goods and services is rising – in other words, during periods of inflation. In a time of deflation – when the costs of goods and services are falling – they are required to lower property taxes.

For the first time since 1978, that is happening. So even homeowners whose property is still worth more than when they bought it will see a quarter percent decrease from last year in its assessed value. That should amount to $2.60 less in taxes per $100,000 of assessed value, according to the State Board of Equalization.

“It’s the first time ever since Proposition 13 and probably the last time in our lifetime.

Homeowners should see the impact of the newly assessed values in their October tax bills. But not everyone will see a decrease in what they owe. That’s because many residents are in areas with special assessments or levies that will increase this year. Also, the figures are based on the value of a property as of Jan. 1.   This means any drop in market value since that date won’t be reflected. For details go to the Orange County Website by clicking on the link here:

http://egov.ocgov.com/ocgov

The first loan was approved by the lender, and in this approval the seller is receiving $3000 towards relocation costs when the sale is finalized; in California we say when it closes escrow. So, I then proceed to get approval of this sale from both 2nd and third lien holders.

Unfortunately both 1st  land 2nd liens or lenders have to approve and agree on the terms and the dollar amounts. In this case, the credit union is not allowing the seller to receive any funds at all. If they do not agree, this property will go to foreclosure, and the second loan will receive NO MONEY at all. Neither will the HOA.

I take my work very seriously and I am very honest with all involved – my seller, the buyer, other agents, all lenders. We need to prevent another property from becoming distressed, run down condition, vandalized.  By offering the sellers financial aid in selling, they are maintaining the homes until the buyer takes possession. This particular home is being very well maintained by the seller and due to the regulations or rules of this credit union, it will go to foreclosure.

I think that is a pity.

Again, that is just MY opinion! What do you think?

It seemed mind; it was sort of a “rolling” motion. I learned later that what I experienced was an after shock of the quake. It actually occurred in Palm Springs, California which is a few hours drive from Orange County.

If you have never experienced an earthquake and want information on it, just go to my page on Earthquakes. There is much information there.

More specifically, I have been reading and participating in the blog entitled “Bank of America Short Sales”. I found this web site quite by accident. One day I decided to google “Bank of America” help……

Google found many articles for me and this is the best one yet. Basically, anyone with a question can post their issue and any other broker can log in and post a reply. It has given me valuable phone numbers to the office of

the President of Bank of America and more. It has helped me in working on my own short sale assignments  / listings. If you are a home owner and are aware of the difficulties your agent / broker may be facing, just

have her/him go to this site. There is lots of help there. Agents from across the country are more than willing to help each other. Good luck!

You see, when the typical buyer wants to buy a property – house or condo – it is usually in decent condition. It is not trashed. Unfortunately however, many of the bank owned properties are in bad condition for one reason or another. No one wants to buy a property that needs alot of money to repair it unless you can pay very little for it.  An entry level buyer is forced out of the market to a cash investor buyer.

The question arises: Who will finance this property?  The FHA 203 K program offers a solution. This loan will finance new paint, new carpet, appliances, windows, kitchen, roof and more. The repairs are financed into the new loan. The property is appraised as if it were repaired. Therefore if you find a property that has no kitchen or no bath and you want to buy it, YOU CAN get a loan.  Therefore, when you visit a house for sale and want to make an offer, the term “All repairs to be in buyers’ loan” should be in your contract offer. This is a great program, and I continue to work towards obtaining my certification. I do not do loans but I really think every broker should know how they work so that we could all be of best service to our clients who need us.

The only significant increases from the prior year in ForeclosureRadar’s report were cancellations, up 141.3 percent, and time-to-foreclose, up 30.5 percent from May 2009. The company says it now takes lenders 235 days to complete a foreclosure in California, from the filing of the default notice to the auctioning of the property.

While extended foreclosure timelines may be skewing resolution numbers, it should be noted that newly initiated foreclosures declined significantly last month in California.

Notices of default filed against delinquent homeowners – the first step in the foreclosure process – fell 17.25 percent from April to May, according to ForeclosureRadar’s market data. They were down 43.34 percent compared to May 2009.

Notice of trustee sale filings, which serve as the homeowner’s final notice before the home is auctioned, dropped 11.88 percent on a month-to-month basis in May, and were 35.78 percent below year-ago levels.

ForeclosureRadar reports that banks took back 13,775 properties in May, 5.75 percent fewer than they did in April.

The company puts California’s total REO inventory at 87,964 homes, down from 90,000 in April and 18 percent lower than it was a year ago.

My Father

When I was:

• Four years old: My daddy can do anything.
• Five years old: My daddy knows a whole lot.
• Six years old: My dad is smarter than your dad.
• Eight years old: My dad doesn’t know exactly everything.
• Ten years old: In the olden days, when my dad grew up, things were sure different.
• Twelve years old: Oh, well, naturally, Dad doesn’t know anything about that.

He is too old to remember his childhood.

• Fourteen years old: Don’t pay any attention to my dad. He is so old-fashioned.
• Twenty-one years old: Him? My Lord, he’s hopelessly out of date.
• Twenty-five years old: Dad knows about it, but then he should, because he has been around so long.
• Thirty years old: Maybe we should ask Dad what he thinks. After all, he’s had a lot of experience.
• Thirty-five years old: I’m not doing a single thing until I talk to Dad.
• Forty years old: I wonder how Dad would have handled it. He was so wise.
• Fifty hears old: I’d give anything if Dad were here now so I could talk this over with him. Too bad I didn’t appreciate how smart he was. I could have learned a lot from him.

Writer Unknown. I found this article on the Internet. Isn’t it so true?

There were many panel meetings on different subjects affecting our business today. Excellent speakers including Emmett Smith, football player and dancer on DANCING WITH THE STARS.

At the Summit I attended two days of sitting in a “classroom” learning about REO, or real estate owned properties and how to work with the banks and asset managers more effectively.  There was an additional day of study and certification of SHORT SALES.

Even though I have been working in the field, some asset managers insist that the agents and brokers they hire need to have these specific designations, and so I sat through the 3 days and took the examinations for the two different certifications. When I came home I found the same classes are being offered all across the country, and coming to a town near me. Since I did not fly to Dallas, (grave error), you can imagine how I felt when I read my mail. However I did make a family trip out of this and driving through New Mexico and Arizona was really beautiful.

I met quite a few brokers who also work in the REO and Short Sale business of listing and selling property, and they are from all over the United States. Of course, we exchanged ideas, and business cards so we can contact each other after the EXPO/ Conference.  I always love to learn new things and believe strongly in education. My goal is to be the best BROKER / REALTOR for my clients and therefore I shall continue to study to benefit them.