What a podcast as Karen & Janet bring us into The Christmas Season with incredible buying and rental opportunities from the beach to the hillsides. Joe Parisi from Rate Mortgage has great news on the rates and talks about how important it is to get pre-qualified to buy a home and Joe is the guy to get you ready for 2026. Next up Patricia Kipp Furnaro has some nice things to say about Karen & Janet with wonderful thoughts and memories on how each of them guided her through buying, selling and renting properties over the years. Karen & Janet close the podcast with their very special guest, Santa! Santa talks about The Real Santa Clause and The Spirit of Christmas and gets everyone ready from children to grown-ups too for the season of giving and enjoying friends and family. Merry Christmas and Happy Hanukkah from Janet and Karen!

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.