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    <title>Girls on the Air - Real Women of Real Estate</title>
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    <description><![CDATA[<p><em>Girls On The Air</em><span> is a lively community radio show that highlights what’s happening in Ventura County. Hosted by Karen Campbell, Janet Sprissler and special guests, the show covers a variety of topics in a fun and conversational style.</span></p>]]></description>
    <pubDate>Sat, 06 Jun 2026 12:14:53 -0700</pubDate>
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        <copyright>Copyright 2018 All rights reserved.</copyright>
    <category>Business</category>
    <ttl>1440</ttl>
    <itunes:type>episodic</itunes:type>
          <itunes:summary></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
<itunes:category text="Business" />
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        <itunes:name>Girls on the Air - Real Women of Real Estate</itunes:name>
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        <title>World Events, Employment &amp; Interest Rates, Home Buying &amp; Rental Opportunities &amp; The Museum of Ventura County!</title>
        <itunes:title>World Events, Employment &amp; Interest Rates, Home Buying &amp; Rental Opportunities &amp; The Museum of Ventura County!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/world-events-employment-interest-rates-home-buying-rental-opportunities-the-museum-of-ventura-county/</link>
                    <comments>https://girlsontheair.podbean.com/e/world-events-employment-interest-rates-home-buying-rental-opportunities-the-museum-of-ventura-county/#comments</comments>        <pubDate>Sat, 06 Jun 2026 12:14:53 -0700</pubDate>
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                                    <description><![CDATA[<p>Karen &amp; Janet open with Home Buying and Rental Opportunities throughout Ventura County.  Their first guest is Derek Contreras from Smart Home Mortgage. Derek talks about how world events and employment reports affect rates and how you can educate yourself to find the best opportunities for purchase in Ventura County.  Derek and his team work to find you the mortgage or refi that fits your needs.  Up next is Lori Beth Gregory Beck of The Museum of Ventura County, Lori highlights 2 big events at The Museum, "Parallel History" and "Patriotic Threads".  The Museum covers historical events throughout the county and has free admission for June. Listen in to find out what else is happening at the museum and in Ventura County with Karen &amp; Janet! </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet open with Home Buying and Rental Opportunities throughout Ventura County.  Their first guest is Derek Contreras from Smart Home Mortgage. Derek talks about how world events and employment reports affect rates and how you can educate yourself to find the best opportunities for purchase in Ventura County.  Derek and his team work to find you the mortgage or refi that fits your needs.  Up next is Lori Beth Gregory Beck of The Museum of Ventura County, Lori highlights 2 big events at The Museum, "Parallel History" and "Patriotic Threads".  The Museum covers historical events throughout the county and has free admission for June. Listen in to find out what else is happening at the museum and in Ventura County with Karen &amp; Janet! </p>
]]></content:encoded>
                                    
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        <itunes:summary><![CDATA[Karen &amp; Janet open with Home Buying and Rental Opportunities throughout Ventura County.  Their first guest is Derek Contreras from Smart Home Mortgage. Derek talks about how world events and employment reports affect rates and how you can educate yourself to find the best opportunities for purchase in Ventura County.  Derek and his team work to find you the mortgage or refi that fits your needs.  Up next is Lori Beth Gregory Beck of The Museum of Ventura County, Lori highlights 2 big events at The Museum, "Parallel History" and "Patriotic Threads".  The Museum covers historical events throughout the county and has free admission for June. Listen in to find out what else is happening at the museum and in Ventura County with Karen &amp; Janet! ]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3572</itunes:duration>
                <itunes:episode>407</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>V.A. Loans With Alex Ramirez, Dr. Morales from The Ventura Board of Education Plus Laura with Sonny Horses For Kids!</title>
        <itunes:title>V.A. Loans With Alex Ramirez, Dr. Morales from The Ventura Board of Education Plus Laura with Sonny Horses For Kids!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/va-loans-with-alex-ramirez-dr-morales-from-the-ventura-board-of-education-plus-laura-with-sonny-horses-for-kids/</link>
                    <comments>https://girlsontheair.podbean.com/e/va-loans-with-alex-ramirez-dr-morales-from-the-ventura-board-of-education-plus-laura-with-sonny-horses-for-kids/#comments</comments>        <pubDate>Sat, 30 May 2026 12:24:24 -0700</pubDate>
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                                    <description><![CDATA[<p>Karen &amp; her guest co-host Bob Ridgeway open the show with rental &amp; home buying opportunities then they jump right in with their first guest, Alex Ramirez of Valor Home Loans where their passion is to make certain Veterans realize the benefits they have earned. The goal is to educate Veterans to understand the process, all that is available to them along with the guidance that Valor Home Loans provide, VA mortgages can be closed in just 30 days! Their next guest is Dr. Cesar Morales who has served as the Ventura County Supervisor of Schools since 2021. Dr. Morales talks about the 19 districts &amp; 12 Charter Schools, the challenges to offer the best education while keeping the funding for all schools going. The social, educational, and recreational aspects of public schools is essential along with mobile libraries and after school programs.  The final guest for this podcast is Laura with Sonny Horses For Kids where programs help unite children with law enforcement, honors heroes, provides scholarships and feeds children and families in Ventura County, learn about the event coming up For The First Wednesday in June!. Another awesome podcast from Girls On The Air! </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; her guest co-host Bob Ridgeway open the show with rental &amp; home buying opportunities then they jump right in with their first guest, Alex Ramirez of Valor Home Loans where their passion is to make certain Veterans realize the benefits they have earned. The goal is to educate Veterans to understand the process, all that is available to them along with the guidance that Valor Home Loans provide, VA mortgages can be closed in just 30 days! Their next guest is Dr. Cesar Morales who has served as the Ventura County Supervisor of Schools since 2021. Dr. Morales talks about the 19 districts &amp; 12 Charter Schools, the challenges to offer the best education while keeping the funding for all schools going. The social, educational, and recreational aspects of public schools is essential along with mobile libraries and after school programs.  The final guest for this podcast is Laura with Sonny Horses For Kids where programs help unite children with law enforcement, honors heroes, provides scholarships and feeds children and families in Ventura County, learn about the event coming up For The First Wednesday in June!. Another awesome podcast from Girls On The Air! </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/vjgbauk2gbpkqbkr/GOTA05302026.mp3" length="86407873" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; her guest co-host Bob Ridgeway open the show with rental &amp; home buying opportunities then they jump right in with their first guest, Alex Ramirez of Valor Home Loans where their passion is to make certain Veterans realize the benefits they have earned. The goal is to educate Veterans to understand the process, all that is available to them along with the guidance that Valor Home Loans provide, VA mortgages can be closed in just 30 days! Their next guest is Dr. Cesar Morales who has served as the Ventura County Supervisor of Schools since 2021. Dr. Morales talks about the 19 districts &amp; 12 Charter Schools, the challenges to offer the best education while keeping the funding for all schools going. The social, educational, and recreational aspects of public schools is essential along with mobile libraries and after school programs.  The final guest for this podcast is Laura with Sonny Horses For Kids where programs help unite children with law enforcement, honors heroes, provides scholarships and feeds children and families in Ventura County, learn about the event coming up For The First Wednesday in June!. Another awesome podcast from Girls On The Air! ]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3600</itunes:duration>
                <itunes:episode>406</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>Joe Parisi of Rate Mortgage With News On Interest Rates, Jerri Becker President of The VCCAR Plus Tamara Rossi Molina From Choice Home Warranty!</title>
        <itunes:title>Joe Parisi of Rate Mortgage With News On Interest Rates, Jerri Becker President of The VCCAR Plus Tamara Rossi Molina From Choice Home Warranty!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/joe-parisi-of-rate-mortgage-with-news-on-interest-rates-jerri-becker-president-of-the-vccar-plus-tamara-rossi-molina-from-choice-home-warranty/</link>
                    <comments>https://girlsontheair.podbean.com/e/joe-parisi-of-rate-mortgage-with-news-on-interest-rates-jerri-becker-president-of-the-vccar-plus-tamara-rossi-molina-from-choice-home-warranty/#comments</comments>        <pubDate>Sat, 16 May 2026 12:15:57 -0700</pubDate>
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                                    <description><![CDATA[<p>Karen &amp; Janet are back with another awesome podcast. Their first guest is Joe Parisi from Rate Mortgage, while world news &amp; events are adding stress to rates, Joe reminds us that you can still lock in a good rate, have the ability to re-fi &amp; take advantage of tax breaks along with being in your dream home, now is a great time to buy!.  Next is Jeri Becker President of VCCAR and broker/owner of NextHome Pacific Coast Realty, Jeri talks about building systems that enable people to collaborate to make purchasing a home less complex.  She also chats about Home safety and The Hertzberg Amendment &amp; Revenue Bond that addresses home ownership for the middle class. They wrap up the podcast with with tamara Rossi Molina from Choice Home Warranty, her company is able to get you service fast on all the working systems in your home with local contractors who do work on time and correctly the first time!   </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet are back with another awesome podcast. Their first guest is Joe Parisi from Rate Mortgage, while world news &amp; events are adding stress to rates, Joe reminds us that you can still lock in a good rate, have the ability to re-fi &amp; take advantage of tax breaks along with being in your dream home, now is a great time to buy!.  Next is Jeri Becker President of VCCAR and broker/owner of NextHome Pacific Coast Realty, Jeri talks about building systems that enable people to collaborate to make purchasing a home less complex.  She also chats about Home safety and The Hertzberg Amendment &amp; Revenue Bond that addresses home ownership for the middle class. They wrap up the podcast with with tamara Rossi Molina from Choice Home Warranty, her company is able to get you service fast on all the working systems in your home with local contractors who do work on time and correctly the first time!   </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/sgy56emy96agcqty/GOTA05162026.mp3" length="85099201" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet are back with another awesome podcast. Their first guest is Joe Parisi from Rate Mortgage, while world news &amp; events are adding stress to rates, Joe reminds us that you can still lock in a good rate, have the ability to re-fi &amp; take advantage of tax breaks along with being in your dream home, now is a great time to buy!.  Next is Jeri Becker President of VCCAR and broker/owner of NextHome Pacific Coast Realty, Jeri talks about building systems that enable people to collaborate to make purchasing a home less complex.  She also chats about Home safety and The Hertzberg Amendment &amp; Revenue Bond that addresses home ownership for the middle class. They wrap up the podcast with with tamara Rossi Molina from Choice Home Warranty, her company is able to get you service fast on all the working systems in your home with local contractors who do work on time and correctly the first time!   ]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3545</itunes:duration>
                <itunes:episode>405</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Karen &amp; Janet's special guest is Linda Braunschwieger, The Founding CEO of The Housing Trust Fund, Ventura County!</title>
        <itunes:title>Karen &amp; Janet's special guest is Linda Braunschwieger, The Founding CEO of The Housing Trust Fund, Ventura County!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/karen-janets-special-guest-is-linda-braunschwieger-the-founding-ceo-of-the-housing-trust-fund-ventura-county/</link>
                    <comments>https://girlsontheair.podbean.com/e/karen-janets-special-guest-is-linda-braunschwieger-the-founding-ceo-of-the-housing-trust-fund-ventura-county/#comments</comments>        <pubDate>Tue, 12 May 2026 03:32:05 -0700</pubDate>
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                                    <description><![CDATA[<p>Karen &amp; Janet's special guest for the podcast is  Linda Braunschwieger. Linda served as the founding CEO of the Housing Trust Fund Ventura County. (HTFVC) In her role, she helped orchestrate the formation of HTFVC, raised over 8M in public, private and charitable funds, and produced 11M in short term loans of which a majority has already been repaid, producing 720 new workforce affordable housing units. She was selected by Pacific Coast Business Times as one of the top 50 Women in Business in Ventura. This podcast will cover all of this achievements and more with Karen Janet &amp; Linda Braunschwieger!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet's special guest for the podcast is  Linda Braunschwieger. Linda served as the founding CEO of the Housing Trust Fund Ventura County. (HTFVC) In her role, she helped orchestrate the formation of HTFVC, raised over 8M in public, private and charitable funds, and produced 11M in short term loans of which a majority has already been repaid, producing 720 new workforce affordable housing units. She was selected by Pacific Coast Business Times as one of the top 50 Women in Business in Ventura. This podcast will cover all of this achievements and more with Karen Janet &amp; Linda Braunschwieger!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ixnk2swzdkw5iz3d/GOTAMemorialDayShowGreen.mp3" length="82058497" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet's special guest for the podcast is  Linda Braunschwieger. Linda served as the founding CEO of the Housing Trust Fund Ventura County. (HTFVC) In her role, she helped orchestrate the formation of HTFVC, raised over 8M in public, private and charitable funds, and produced 11M in short term loans of which a majority has already been repaid, producing 720 new workforce affordable housing units. She was selected by Pacific Coast Business Times as one of the top 50 Women in Business in Ventura. This podcast will cover all of this achievements and more with Karen Janet &amp; Linda Braunschwieger!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3418</itunes:duration>
                <itunes:episode>404</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>It’s The 600th Podcast For Karen &amp; Janet! Celebrating with Guests Chatting About Rates, Buying Opportunities &amp; First Wednesday!</title>
        <itunes:title>It’s The 600th Podcast For Karen &amp; Janet! Celebrating with Guests Chatting About Rates, Buying Opportunities &amp; First Wednesday!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/it-s-the-600th-podcast-for-karen-janet-celebrating-with-guests-chatting-about-rates-buying-opportunities-first-wednesday/</link>
                    <comments>https://girlsontheair.podbean.com/e/it-s-the-600th-podcast-for-karen-janet-celebrating-with-guests-chatting-about-rates-buying-opportunities-first-wednesday/#comments</comments>        <pubDate>Sat, 02 May 2026 12:04:25 -0700</pubDate>
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                                    <description><![CDATA[<p class="p1">Karen &amp; Janet celebrate their 600th Show with topics from rental and homeownership opportunities to mortgage rates and financing opportunities   Their first guests are Derek Contreras and Larry Reyes from Smart Home Mortgage. They have the expertise and experience to lock in the best rate for you quickly, plus since they are mortgage brokers that work with numerous lenders to give you the most options, they also have access to the best local appraisers who know the community. Larry and Derek give every client their cell phone numbers so you can call direct… anytime!  Suzzie Koenig-Brown of Berkshire Hathaway Home Services is the next guest. Suzzie says that sellers and buyers both have incredible opportunities in this market with equity increasing 3% each year. Ventura County is a unique market compared to others around the country with beach and hillside access, beautiful weather and safe neighborhoods.  Suzzie also has new educational seminars that are free, listen to this podcast for everything you need to know. They close out the show with Marcie Yountz inviting you to First Wednesday benefitting 805 Community For Children. The party is May 6th at The Greek at The Harbor.  This fundraiser benefits kids in the community with birthday parties, sports needs, hobbies and  everything that all children should have in their lives along with basic needs. Another great podcast Number 600 for Karen &amp; Janet!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p class="p1">Karen &amp; Janet celebrate their 600th Show with topics from rental and homeownership opportunities to mortgage rates and financing opportunities   Their first guests are Derek Contreras and Larry Reyes from Smart Home Mortgage. They have the expertise and experience to lock in the best rate for you quickly, plus since they are mortgage brokers that work with numerous lenders to give you the most options, they also have access to the best local appraisers who know the community. Larry and Derek give every client their cell phone numbers so you can call direct… anytime!  Suzzie Koenig-Brown of Berkshire Hathaway Home Services is the next guest. Suzzie says that sellers and buyers both have incredible opportunities in this market with equity increasing 3% each year. Ventura County is a unique market compared to others around the country with beach and hillside access, beautiful weather and safe neighborhoods.  Suzzie also has new educational seminars that are free, listen to this podcast for everything you need to know. They close out the show with Marcie Yountz inviting you to First Wednesday benefitting 805 Community For Children. The party is May 6th at The Greek at The Harbor.  This fundraiser benefits kids in the community with birthday parties, sports needs, hobbies and  everything that all children should have in their lives along with basic needs. Another great podcast Number 600 for Karen &amp; Janet!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/5jncdkhpd5ijzudy/GOTA05022026.mp3" length="85325569" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet celebrate their 600th Show with topics from rental and homeownership opportunities to mortgage rates and financing opportunities   Their first guests are Derek Contreras and Larry Reyes from Smart Home Mortgage. They have the expertise and experience to lock in the best rate for you quickly, plus since they are mortgage brokers that work with numerous lenders to give you the most options, they also have access to the best local appraisers who know the community. Larry and Derek give every client their cell phone numbers so you can call direct… anytime!  Suzzie Koenig-Brown of Berkshire Hathaway Home Services is the next guest. Suzzie says that sellers and buyers both have incredible opportunities in this market with equity increasing 3% each year. Ventura County is a unique market compared to others around the country with beach and hillside access, beautiful weather and safe neighborhoods.  Suzzie also has new educational seminars that are free, listen to this podcast for everything you need to know. They close out the show with Marcie Yountz inviting you to First Wednesday benefitting 805 Community For Children. The party is May 6th at The Greek at The Harbor.  This fundraiser benefits kids in the community with birthday parties, sports needs, hobbies and  everything that all children should have in their lives along with basic needs. Another great podcast Number 600 for Karen &amp; Janet!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3554</itunes:duration>
                <itunes:episode>403</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>1031 Exchanges Explained With Marc Brooks of Prime West Exchange Plus The West Coast Outdoors &amp; Sport Fishing Expo Is Coming May First At The Ventura County Fairgrounds!</title>
        <itunes:title>1031 Exchanges Explained With Marc Brooks of Prime West Exchange Plus The West Coast Outdoors &amp; Sport Fishing Expo Is Coming May First At The Ventura County Fairgrounds!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/1031exchangesexplainedwithmarcbrooks-ofprimewestexchangeplusthe-west-coastoutdoorssport-fishingexpois-comingmay-firstat-the-venturacounty-fairgrounds/</link>
                    <comments>https://girlsontheair.podbean.com/e/1031exchangesexplainedwithmarcbrooks-ofprimewestexchangeplusthe-west-coastoutdoorssport-fishingexpois-comingmay-firstat-the-venturacounty-fairgrounds/#comments</comments>        <pubDate>Sat, 25 Apr 2026 12:38:56 -0700</pubDate>
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                                    <description><![CDATA[<p>This episode of Girl's On The Air features Janet &amp; her special co-host Bob Ridgeway for a full hour of information on 1031 Exchange Programs with Marc Brooks of Prime West Exchange along with Adam Casillas who invites everyone to The West Coast Outdoors &amp; Sport Fishing Expo at the Ventura County Fairgrounds on May 1 to May 3rd.  Janet &amp; Bob start this podcast with beautiful rentals available in Ventura County right now, along with a big announcement from Bob!  Their first guest is Marc Brooks of Prime West, your 1031 Exchange Expert. Learn the essentials of a 1031 exchange from Marc who has 3 decades of experience in a field that offers incredible opportunity for investors, Marc's Escrow Experience Administering 1031 Tax Deferred Exchanges is unparalleled! Next up it's Adam Casillas inviting the whole family to The West Coast Outdoors &amp; Sport Fishing Expo, Friday Saturday and Sunday May 1st to the 3rd. Featuring over 250 local &amp; national vendors from fresh water to salt water fishing... there is gear for everyone, lots of information, plus a live fishing pond for the kids!  What a podcast! Janet &amp; her special co-host Bob Ridgeway.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This episode of Girl's On The Air features Janet &amp; her special co-host Bob Ridgeway for a full hour of information on 1031 Exchange Programs with Marc Brooks of Prime West Exchange along with Adam Casillas who invites everyone to The West Coast Outdoors &amp; Sport Fishing Expo at the Ventura County Fairgrounds on May 1 to May 3rd.  Janet &amp; Bob start this podcast with beautiful rentals available in Ventura County right now, along with a big announcement from Bob!  Their first guest is Marc Brooks of Prime West, your 1031 Exchange Expert. Learn the essentials of a 1031 exchange from Marc who has 3 decades of experience in a field that offers incredible opportunity for investors, Marc's Escrow Experience Administering 1031 Tax Deferred Exchanges is unparalleled! Next up it's Adam Casillas inviting the whole family to The West Coast Outdoors &amp; Sport Fishing Expo, Friday Saturday and Sunday May 1st to the 3rd. Featuring over 250 local &amp; national vendors from fresh water to salt water fishing... there is gear for everyone, lots of information, plus a live fishing pond for the kids!  What a podcast! Janet &amp; her special co-host Bob Ridgeway.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/fxz4sh56ykffvg7j/GOTA04252026AIR.mp3" length="84416573" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This episode of Girl's On The Air features Janet &amp; her special co-host Bob Ridgeway for a full hour of information on 1031 Exchange Programs with Marc Brooks of Prime West Exchange along with Adam Casillas who invites everyone to The West Coast Outdoors &amp; Sport Fishing Expo at the Ventura County Fairgrounds on May 1 to May 3rd.  Janet &amp; Bob start this podcast with beautiful rentals available in Ventura County right now, along with a big announcement from Bob!  Their first guest is Marc Brooks of Prime West, your 1031 Exchange Expert. Learn the essentials of a 1031 exchange from Marc who has 3 decades of experience in a field that offers incredible opportunity for investors, Marc's Escrow Experience Administering 1031 Tax Deferred Exchanges is unparalleled! Next up it's Adam Casillas inviting the whole family to The West Coast Outdoors &amp; Sport Fishing Expo, Friday Saturday and Sunday May 1st to the 3rd. Featuring over 250 local &amp; national vendors from fresh water to salt water fishing... there is gear for everyone, lots of information, plus a live fishing pond for the kids!  What a podcast! Janet &amp; her special co-host Bob Ridgeway.]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3517</itunes:duration>
                <itunes:episode>402</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Joe Parisi Talks Rates - Brian Sisk Explains The Art Of The Appraisal &amp; Kathy Costas Invites Families To Zones of Wellness!</title>
        <itunes:title>Joe Parisi Talks Rates - Brian Sisk Explains The Art Of The Appraisal &amp; Kathy Costas Invites Families To Zones of Wellness!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/joe-parisi-talks-rates-brian-sisk-explains-the-art-of-the-appraisal-kathy-costas-invites-families-to-zones-of-wellness/</link>
                    <comments>https://girlsontheair.podbean.com/e/joe-parisi-talks-rates-brian-sisk-explains-the-art-of-the-appraisal-kathy-costas-invites-families-to-zones-of-wellness/#comments</comments>        <pubDate>Sat, 18 Apr 2026 12:25:26 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/3dadd21d-6660-310a-8311-b6065dccd3c9</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet kick off this podcast with rental &amp; purchase opportunities which are coming on the market and leaving the market very quickly so listen closely!  Their first guest is Joe Parisi with Rate Mortgage. Joe says rates are right around 6% and they are being pressured by World affairs and unemployment figures.  There are many programs for buyers that are available, Joe will find the one that fits your needs the best! Next up Karen &amp; Janet talk appraisals with Brian Sisk he has SRA and RRS designations from the Appraisal Institute and provides quality Real Estate Appraisals for Ventura &amp; Santa Barbara . Brian specializes in appraisal services such as Estate planning,  marriage dissolution, expert witness, litigation support, forensic and field reviews for purchases and refi's.  Their final guest is Kathy Costas who invites families to a free event called Zones of Wellness which focuses on activities for kids &amp; families that include music, dance, art, nature, mindfulness zones and more! The event is Saturday April 25th at The Conejo Creek North Park in T.O. find out more in this podcast!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet kick off this podcast with rental &amp; purchase opportunities which are coming on the market and leaving the market very quickly so listen closely!  Their first guest is Joe Parisi with Rate Mortgage. Joe says rates are right around 6% and they are being pressured by World affairs and unemployment figures.  There are many programs for buyers that are available, Joe will find the one that fits your needs the best! Next up Karen &amp; Janet talk appraisals with Brian Sisk he has SRA and RRS designations from the Appraisal Institute and provides quality Real Estate Appraisals for Ventura &amp; Santa Barbara . Brian specializes in appraisal services such as Estate planning,  marriage dissolution, expert witness, litigation support, forensic and field reviews for purchases and refi's.  Their final guest is Kathy Costas who invites families to a free event called Zones of Wellness which focuses on activities for kids &amp; families that include music, dance, art, nature, mindfulness zones and more! The event is Saturday April 25th at The Conejo Creek North Park in T.O. find out more in this podcast!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/mwdjjv4qqqshzd2v/GOTA04182026.mp3" length="84789889" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet kick off this podcast with rental &amp; purchase opportunities which are coming on the market and leaving the market very quickly so listen closely!  Their first guest is Joe Parisi with Rate Mortgage. Joe says rates are right around 6% and they are being pressured by World affairs and unemployment figures.  There are many programs for buyers that are available, Joe will find the one that fits your needs the best! Next up Karen &amp; Janet talk appraisals with Brian Sisk he has SRA and RRS designations from the Appraisal Institute and provides quality Real Estate Appraisals for Ventura &amp; Santa Barbara . Brian specializes in appraisal services such as Estate planning,  marriage dissolution, expert witness, litigation support, forensic and field reviews for purchases and refi's.  Their final guest is Kathy Costas who invites families to a free event called Zones of Wellness which focuses on activities for kids &amp; families that include music, dance, art, nature, mindfulness zones and more! The event is Saturday April 25th at The Conejo Creek North Park in T.O. find out more in this podcast!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3532</itunes:duration>
                <itunes:episode>401</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Karen &amp; Janet Talk Mortgages &amp; Rates With Derek from Smart Home Mortgage &amp; Websites For Your Business with Justin Soenke of Phase 3 Website Solutions.</title>
        <itunes:title>Karen &amp; Janet Talk Mortgages &amp; Rates With Derek from Smart Home Mortgage &amp; Websites For Your Business with Justin Soenke of Phase 3 Website Solutions.</itunes:title>
        <link>https://girlsontheair.podbean.com/e/karen-janet-talk-mortgages-rates-with-derek-from-smart-home-mortgage-websites-for-your-business-with-justin-soenke-of-phase-3-website-solutions/</link>
                    <comments>https://girlsontheair.podbean.com/e/karen-janet-talk-mortgages-rates-with-derek-from-smart-home-mortgage-websites-for-your-business-with-justin-soenke-of-phase-3-website-solutions/#comments</comments>        <pubDate>Sat, 11 Apr 2026 12:26:28 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/f081b931-8f2f-3fb0-9b0c-6dd55e6526fa</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet talk rates &amp; mortgages with  Derek Contreras from Smart Home Mortgage. Derek has many loan programs to offer, FHA, along with conventional plus VA, mobile home loans and hard money loans for business owners, Derek has a plan for you, don't count yourself out until you talk with Smart Home Financial. Next up it's  Justin Soenke owner of Phase 3 Website Solutions. Justin points out that cheap can be very expensive when it comes to your website. Low quality costs more, it's that simple... Justin suggests you slow down, define your customer and think your website through and learn what makes your buyer pay attention.  The point of your website is to make your business phone ring, find out how with Justin. Karen &amp; Janet also talk about great buying and rental opportunities throughout the county. another awesome podcast with Karen &amp; Janet!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet talk rates &amp; mortgages with  Derek Contreras from Smart Home Mortgage. Derek has many loan programs to offer, FHA, along with conventional plus VA, mobile home loans and hard money loans for business owners, Derek has a plan for you, don't count yourself out until you talk with Smart Home Financial. Next up it's  Justin Soenke owner of Phase 3 Website Solutions. Justin points out that cheap can be very expensive when it comes to your website. Low quality costs more, it's that simple... Justin suggests you slow down, define your customer and think your website through and learn what makes your buyer pay attention.  The point of your website is to make your business phone ring, find out how with Justin. Karen &amp; Janet also talk about great buying and rental opportunities throughout the county. another awesome podcast with Karen &amp; Janet!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/umgt87ye6x9vi7qn/GOTA04112026.mp3" length="85176385" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet talk rates &amp; mortgages with  Derek Contreras from Smart Home Mortgage. Derek has many loan programs to offer, FHA, along with conventional plus VA, mobile home loans and hard money loans for business owners, Derek has a plan for you, don't count yourself out until you talk with Smart Home Financial. Next up it's  Justin Soenke owner of Phase 3 Website Solutions. Justin points out that cheap can be very expensive when it comes to your website. Low quality costs more, it's that simple... Justin suggests you slow down, define your customer and think your website through and learn what makes your buyer pay attention.  The point of your website is to make your business phone ring, find out how with Justin. Karen &amp; Janet also talk about great buying and rental opportunities throughout the county. another awesome podcast with Karen &amp; Janet!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3548</itunes:duration>
                <itunes:episode>400</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Denise From Paladin Insurance Talks About Coverage For Home Owners. Essential Info In This GOTA Podcast!</title>
        <itunes:title>Denise From Paladin Insurance Talks About Coverage For Home Owners. Essential Info In This GOTA Podcast!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/denise-from-paladin-insurance-talks-about-coverage-for-home-owners-essential-info-in-this-gota-podcast/</link>
                    <comments>https://girlsontheair.podbean.com/e/denise-from-paladin-insurance-talks-about-coverage-for-home-owners-essential-info-in-this-gota-podcast/#comments</comments>        <pubDate>Sat, 04 Apr 2026 10:34:12 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/0b42bc16-4e1e-33bd-806c-d49b535ff64c</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet invited their insurance specialist, Denise from Paladin Insurance, back for the entire podcast. Denise will go over what is and isn't covered for home owners on many policies. Topics include, dwelling coverage, insurance for the structure, what costs are covered during and after a crisis... like fire, earthquakes, flooding and more.  Denise also tells us about ADU's, garages, outdoor additions like BBQ's, pools and sheds. Other topics include debris removal, dog bites, slip and falls along with the importance of umbrella policies.  This is a podcast you will listen to more than once, with Karen, Janet &amp; Denise from Paladin Insurance!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet invited their insurance specialist, Denise from Paladin Insurance, back for the entire podcast. Denise will go over what is and isn't covered for home owners on many policies. Topics include, dwelling coverage, insurance for the structure, what costs are covered during and after a crisis... like fire, earthquakes, flooding and more.  Denise also tells us about ADU's, garages, outdoor additions like BBQ's, pools and sheds. Other topics include debris removal, dog bites, slip and falls along with the importance of umbrella policies.  This is a podcast you will listen to more than once, with Karen, Janet &amp; Denise from Paladin Insurance!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/qbyza9gwp6n3fm2z/GOTA04042026AIR.mp3" length="81850475" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet invited their insurance specialist, Denise from Paladin Insurance, back for the entire podcast. Denise will go over what is and isn't covered for home owners on many policies. Topics include, dwelling coverage, insurance for the structure, what costs are covered during and after a crisis... like fire, earthquakes, flooding and more.  Denise also tells us about ADU's, garages, outdoor additions like BBQ's, pools and sheds. Other topics include debris removal, dog bites, slip and falls along with the importance of umbrella policies.  This is a podcast you will listen to more than once, with Karen, Janet &amp; Denise from Paladin Insurance!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3410</itunes:duration>
                <itunes:episode>399</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>GOTA Talks Rates With Larry Reyes, Seth Doherty Has Tips On Surveying Properties, Rhonda Holden On Escrows &amp; Bob Davis Invites Everyone To First Wednesday!</title>
        <itunes:title>GOTA Talks Rates With Larry Reyes, Seth Doherty Has Tips On Surveying Properties, Rhonda Holden On Escrows &amp; Bob Davis Invites Everyone To First Wednesday!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/gota-talks-rates-with-larry-reyes-seth-doherty-has-tips-on-surveying-properties-rhonda-holden-on-escrows-bob-davis-invites-everyone-to-first-wednesday/</link>
                    <comments>https://girlsontheair.podbean.com/e/gota-talks-rates-with-larry-reyes-seth-doherty-has-tips-on-surveying-properties-rhonda-holden-on-escrows-bob-davis-invites-everyone-to-first-wednesday/#comments</comments>        <pubDate>Sat, 28 Mar 2026 12:41:43 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/5152b8b6-7f94-3f80-85a2-2af95cf08760</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet kick-off this podcast with Larry Reyes talking rates... from FHA, to businesses plus programs for doctors and First Responders.  The housing market is very competitive, you need an expert like Larry from Smart Home Mortgage!  Next Seth Doherty joins the podcast, his company Latitude Surveying is essential for anyone adding an ADU, selling a property, putting up a fence along with any other addition to the property that needs a surveyor.  This is a very important conversation for homeowners and buyers.  Rhonda Holden is next talking about the importance of an escrow agent. Rhonda works for Fidelity Escrow, her job is to protect the buyer and seller and emphasizes the importance of a real estate agent and the risks of homes "sold by owner".  Their final guest is Bob Davis who invites everyone to The First Wednesday of April at The Jaguar Moon in Downtown Ventura, an awesome fundraiser that makes for an excellent get together and a really fun fundraiser! Details on this podcast!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet kick-off this podcast with Larry Reyes talking rates... from FHA, to businesses plus programs for doctors and First Responders.  The housing market is very competitive, you need an expert like Larry from Smart Home Mortgage!  Next Seth Doherty joins the podcast, his company Latitude Surveying is essential for anyone adding an ADU, selling a property, putting up a fence along with any other addition to the property that needs a surveyor.  This is a very important conversation for homeowners and buyers.  Rhonda Holden is next talking about the importance of an escrow agent. Rhonda works for Fidelity Escrow, her job is to protect the buyer and seller and emphasizes the importance of a real estate agent and the risks of homes "sold by owner".  Their final guest is Bob Davis who invites everyone to The First Wednesday of April at The Jaguar Moon in Downtown Ventura, an awesome fundraiser that makes for an excellent get together and a really fun fundraiser! Details on this podcast!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/sv4f4vq9y5rhrdw8/GOTA03282026.mp3" length="84511681" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet kick-off this podcast with Larry Reyes talking rates... from FHA, to businesses plus programs for doctors and First Responders.  The housing market is very competitive, you need an expert like Larry from Smart Home Mortgage!  Next Seth Doherty joins the podcast, his company Latitude Surveying is essential for anyone adding an ADU, selling a property, putting up a fence along with any other addition to the property that needs a surveyor.  This is a very important conversation for homeowners and buyers.  Rhonda Holden is next talking about the importance of an escrow agent. Rhonda works for Fidelity Escrow, her job is to protect the buyer and seller and emphasizes the importance of a real estate agent and the risks of homes "sold by owner".  Their final guest is Bob Davis who invites everyone to The First Wednesday of April at The Jaguar Moon in Downtown Ventura, an awesome fundraiser that makes for an excellent get together and a really fun fundraiser! Details on this podcast!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3521</itunes:duration>
                <itunes:episode>398</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Rentals &amp; Buying Opportunities, Valor Home Loans For Vets Plus Safe Travels RV Services!</title>
        <itunes:title>Rentals &amp; Buying Opportunities, Valor Home Loans For Vets Plus Safe Travels RV Services!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/rentals-buying-opportunities-valor-home-loans-for-vets-plus-safe-travels-rv-services/</link>
                    <comments>https://girlsontheair.podbean.com/e/rentals-buying-opportunities-valor-home-loans-for-vets-plus-safe-travels-rv-services/#comments</comments>        <pubDate>Sat, 21 Mar 2026 12:16:40 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/bbb23f9f-c7e4-385a-b230-38d6806c74e8</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet kick off this podcast with buying &amp; rental opportunities in Ventura County, inventory is high, there are many beautiful neighborhoods for you to call home.  Their first guest is Alex Ramirez of Valor Home Loans.  While negative news might be on many minds, there are numerous programs for Veterans that are available now. Alex and his team has the experience and knowledge to place you in the home ownership situation that will fit you best.  You served in the military take advantage of your benefits!  Karen &amp; Janet wrap up the podcast with Lisa and Bill from Safe Travels RV Services.  Most RV's are used seasonally making it a priority for you to check your RV's systems before traveling.  They look at Water and AC systems, tires, generators, propane, solar and your RV hookups too! Ensure your safety and enjoyment with your next RV adventure!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet kick off this podcast with buying &amp; rental opportunities in Ventura County, inventory is high, there are many beautiful neighborhoods for you to call home.  Their first guest is Alex Ramirez of Valor Home Loans.  While negative news might be on many minds, there are numerous programs for Veterans that are available now. Alex and his team has the experience and knowledge to place you in the home ownership situation that will fit you best.  You served in the military take advantage of your benefits!  Karen &amp; Janet wrap up the podcast with Lisa and Bill from Safe Travels RV Services.  Most RV's are used seasonally making it a priority for you to check your RV's systems before traveling.  They look at Water and AC systems, tires, generators, propane, solar and your RV hookups too! Ensure your safety and enjoyment with your next RV adventure!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/wxjbiwcsws3cdwzg/GOTA03212026.mp3" length="85599745" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet kick off this podcast with buying &amp; rental opportunities in Ventura County, inventory is high, there are many beautiful neighborhoods for you to call home.  Their first guest is Alex Ramirez of Valor Home Loans.  While negative news might be on many minds, there are numerous programs for Veterans that are available now. Alex and his team has the experience and knowledge to place you in the home ownership situation that will fit you best.  You served in the military take advantage of your benefits!  Karen &amp; Janet wrap up the podcast with Lisa and Bill from Safe Travels RV Services.  Most RV's are used seasonally making it a priority for you to check your RV's systems before traveling.  They look at Water and AC systems, tires, generators, propane, solar and your RV hookups too! Ensure your safety and enjoyment with your next RV adventure!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3566</itunes:duration>
                <itunes:episode>397</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>This Podcast Features Rob Leatherwood Director of Government Affairs at Ventura County Coastal Association of Realtors</title>
        <itunes:title>This Podcast Features Rob Leatherwood Director of Government Affairs at Ventura County Coastal Association of Realtors</itunes:title>
        <link>https://girlsontheair.podbean.com/e/this-podcast-features-rob-leatherwood-director-of-government-affairs-at-ventura-county-coastal-association-of-realtors/</link>
                    <comments>https://girlsontheair.podbean.com/e/this-podcast-features-rob-leatherwood-director-of-government-affairs-at-ventura-county-coastal-association-of-realtors/#comments</comments>        <pubDate>Mon, 16 Mar 2026 03:06:53 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/3819a956-8f49-3e08-8351-6a28c352a48a</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet invite Rob Leatherwood on the podcast for the entire hour, he will discuss insurance issues, housing affordability his role as government affairs director is to promote home ownership, private property rights and ethical business practice.  His focus is to try to increase housing availability, affordability and making sure housing providers act in an ethical and upstanding fashion.  Mr. Leatherwood appears at council meetings and at community councils.  He will discus many programs that are available in the City of Ventura.  This podcast will provide information for the "Mom &amp; Pop" landowners who act as landlords to help them stay in compliance.  Another essential podcast for home owners and housing providers with Karen &amp; Janet!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet invite Rob Leatherwood on the podcast for the entire hour, he will discuss insurance issues, housing affordability his role as government affairs director is to promote home ownership, private property rights and ethical business practice.  His focus is to try to increase housing availability, affordability and making sure housing providers act in an ethical and upstanding fashion.  Mr. Leatherwood appears at council meetings and at community councils.  He will discus many programs that are available in the City of Ventura.  This podcast will provide information for the "Mom &amp; Pop" landowners who act as landlords to help them stay in compliance.  Another essential podcast for home owners and housing providers with Karen &amp; Janet!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/jppk34h39cia457u/GOTA03142026GREEN.mp3" length="83712705" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet invite Rob Leatherwood on the podcast for the entire hour, he will discuss insurance issues, housing affordability his role as government affairs director is to promote home ownership, private property rights and ethical business practice.  His focus is to try to increase housing availability, affordability and making sure housing providers act in an ethical and upstanding fashion.  Mr. Leatherwood appears at council meetings and at community councils.  He will discus many programs that are available in the City of Ventura.  This podcast will provide information for the "Mom &amp; Pop" landowners who act as landlords to help them stay in compliance.  Another essential podcast for home owners and housing providers with Karen &amp; Janet!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3487</itunes:duration>
                <itunes:episode>396</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Advice On Rates &amp; The Crazy Economy, New Arts City Theater In Ventura, Plus BraveHart With The Goal Of Bringing Heart Health To Ventura County.</title>
        <itunes:title>Advice On Rates &amp; The Crazy Economy, New Arts City Theater In Ventura, Plus BraveHart With The Goal Of Bringing Heart Health To Ventura County.</itunes:title>
        <link>https://girlsontheair.podbean.com/e/advice-on-rates-the-crazy-economy-new-arts-city-theater-in-ventura-plus-bravehart-with-the-goal-of-bringing-heart-health-to-ventura-county/</link>
                    <comments>https://girlsontheair.podbean.com/e/advice-on-rates-the-crazy-economy-new-arts-city-theater-in-ventura-plus-bravehart-with-the-goal-of-bringing-heart-health-to-ventura-county/#comments</comments>        <pubDate>Sat, 07 Mar 2026 12:19:52 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/942c9f8e-dc78-3735-9bff-b6f7c6b6fc3e</guid>
                                    <description><![CDATA[<p>This Podcast features guest co-host Bob Ridgeway, a broker agent, who starts the show with Karen and discusses rates, available homes in Ventura County and the overall feeling among both buyers and sellers in the area.  Their first guest is Joe Parisi of Rate Mortgage who unpacks this weeks news including oil prices, war, inflation and unemployment, explaining how these world events affect rates and the housing market. Joe gives great advice and a lot of hope to buyers in the market.  The podcast shifts to the arts with Beverly &amp; Kirby Ward, they present a Summer Festival that features new play writes throughout the country at The New Arts Theater in Ventura.  An actors audition is scheduled for April 3rd at NAMBA, listen to their conversation for the details.  Karen &amp; Bob's last guest is Janice Aharon-Ezer, her 5013c "BraveHart" has a golf tournament scheduled that aims at providing information and care for those who have suffered a heart attack. Funds have been used to teach life saving techniques along with equipment used in local hospitals.  Another Awesome podcast that informs and entertains!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This Podcast features guest co-host Bob Ridgeway, a broker agent, who starts the show with Karen and discusses rates, available homes in Ventura County and the overall feeling among both buyers and sellers in the area.  Their first guest is Joe Parisi of Rate Mortgage who unpacks this weeks news including oil prices, war, inflation and unemployment, explaining how these world events affect rates and the housing market. Joe gives great advice and a lot of hope to buyers in the market.  The podcast shifts to the arts with Beverly &amp; Kirby Ward, they present a Summer Festival that features new play writes throughout the country at The New Arts Theater in Ventura.  An actors audition is scheduled for April 3rd at NAMBA, listen to their conversation for the details.  Karen &amp; Bob's last guest is Janice Aharon-Ezer, her 5013c "BraveHart" has a golf tournament scheduled that aims at providing information and care for those who have suffered a heart attack. Funds have been used to teach life saving techniques along with equipment used in local hospitals.  Another Awesome podcast that informs and entertains!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/5g3rmbcy7m8gbvbf/GOTA03072026.mp3" length="85487425" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This Podcast features guest co-host Bob Ridgeway, a broker agent, who starts the show with Karen and discusses rates, available homes in Ventura County and the overall feeling among both buyers and sellers in the area.  Their first guest is Joe Parisi of Rate Mortgage who unpacks this weeks news including oil prices, war, inflation and unemployment, explaining how these world events affect rates and the housing market. Joe gives great advice and a lot of hope to buyers in the market.  The podcast shifts to the arts with Beverly &amp; Kirby Ward, they present a Summer Festival that features new play writes throughout the country at The New Arts Theater in Ventura.  An actors audition is scheduled for April 3rd at NAMBA, listen to their conversation for the details.  Karen &amp; Bob's last guest is Janice Aharon-Ezer, her 5013c "BraveHart" has a golf tournament scheduled that aims at providing information and care for those who have suffered a heart attack. Funds have been used to teach life saving techniques along with equipment used in local hospitals.  Another Awesome podcast that informs and entertains!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3561</itunes:duration>
                <itunes:episode>395</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Home Ownership Can Be Less Than The Rent You Pay, Live-Scan Express, Plus First Wednesday @ Wagon Wheel Brewery!</title>
        <itunes:title>Home Ownership Can Be Less Than The Rent You Pay, Live-Scan Express, Plus First Wednesday @ Wagon Wheel Brewery!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/home-ownership-can-be-less-than-the-rent-you-pay-live-scan-express-plus-first-wednesday-wagon-wheel-brewery/</link>
                    <comments>https://girlsontheair.podbean.com/e/home-ownership-can-be-less-than-the-rent-you-pay-live-scan-express-plus-first-wednesday-wagon-wheel-brewery/#comments</comments>        <pubDate>Sat, 28 Feb 2026 12:22:19 -0800</pubDate>
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                                    <description><![CDATA[<p>Karen &amp; Janet start the podcast with rental &amp; buying opportunities in Ventura County from beach properties to the hillside there are many places you can call home.  Their first guest is Larry Reyes From Smart Home Mortgage, Larry invites potential homeowners to consider the beautiful City of Fillmore where USDA Loans are available with 100% financing and great interest rates! Learn how a mortgage can be lower than the rent you are paying plus your home purchase is a fabulous investment! Next is Diane Gamble with Live Scan Express in Ventura, get it done right and right now, DOJ Certified and quick, with no appointment necessary. 20 years of trusted service for fingerprinting in Ventura County. Karen &amp; Janet's final guest is Bob Davis inviting everyone to the First Wednesday fundraiser March 4th at Wagon Wheel Brewery, benefitting Reel Guppies Outdoors.  Another awesome podcast that informs and benefits residents of Ventura &amp; Santa Barbara Counties!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet start the podcast with rental &amp; buying opportunities in Ventura County from beach properties to the hillside there are many places you can call home.  Their first guest is Larry Reyes From Smart Home Mortgage, Larry invites potential homeowners to consider the beautiful City of Fillmore where USDA Loans are available with 100% financing and great interest rates! Learn how a mortgage can be lower than the rent you are paying plus your home purchase is a fabulous investment! Next is Diane Gamble with Live Scan Express in Ventura, get it done right and right now, DOJ Certified and quick, with no appointment necessary. 20 years of trusted service for fingerprinting in Ventura County. Karen &amp; Janet's final guest is Bob Davis inviting everyone to the First Wednesday fundraiser March 4th at Wagon Wheel Brewery, benefitting Reel Guppies Outdoors.  Another awesome podcast that informs and benefits residents of Ventura &amp; Santa Barbara Counties!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/c8fjy6zsuna6zmpc/GOTA02282026.mp3" length="79355905" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet start the podcast with rental &amp; buying opportunities in Ventura County from beach properties to the hillside there are many places you can call home.  Their first guest is Larry Reyes From Smart Home Mortgage, Larry invites potential homeowners to consider the beautiful City of Fillmore where USDA Loans are available with 100% financing and great interest rates! Learn how a mortgage can be lower than the rent you are paying plus your home purchase is a fabulous investment! Next is Diane Gamble with Live Scan Express in Ventura, get it done right and right now, DOJ Certified and quick, with no appointment necessary. 20 years of trusted service for fingerprinting in Ventura County. Karen &amp; Janet's final guest is Bob Davis inviting everyone to the First Wednesday fundraiser March 4th at Wagon Wheel Brewery, benefitting Reel Guppies Outdoors.  Another awesome podcast that informs and benefits residents of Ventura &amp; Santa Barbara Counties!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3306</itunes:duration>
                <itunes:episode>394</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>Karen &amp; Janet Spend An Hour With Joe Parisi of Rate Mortgage, Learn When To Refi, New Loan Programs, How To Qualify &amp; More!</title>
        <itunes:title>Karen &amp; Janet Spend An Hour With Joe Parisi of Rate Mortgage, Learn When To Refi, New Loan Programs, How To Qualify &amp; More!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/karen-janet-spend-an-hour-with-joe-parisi-of-rate-mortgage-learn-when-to-refi-new-loan-programs-how-to-qualify-more/</link>
                    <comments>https://girlsontheair.podbean.com/e/karen-janet-spend-an-hour-with-joe-parisi-of-rate-mortgage-learn-when-to-refi-new-loan-programs-how-to-qualify-more/#comments</comments>        <pubDate>Sat, 21 Feb 2026 12:16:48 -0800</pubDate>
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                                    <description><![CDATA[<p>Karen &amp; Janet invite Joe Parisi in-studio to give his expert advice on when to refi, and understanding what "rate drop" offers you the best savings on your mortgage.  Joe also talks about the many home loan programs that are available, he finds the one that fits you best. Joe also has loans that can get you in with zero down!  Other topics covered include tax advantages in home ownership including the write-offs that are available to home owners!  Karen &amp; Janet also chat about homes in Ventura County that are available for rent and for purchase.  Download this incredible podcast today!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet invite Joe Parisi in-studio to give his expert advice on when to refi, and understanding what "rate drop" offers you the best savings on your mortgage.  Joe also talks about the many home loan programs that are available, he finds the one that fits you best. Joe also has loans that can get you in with zero down!  Other topics covered include tax advantages in home ownership including the write-offs that are available to home owners!  Karen &amp; Janet also chat about homes in Ventura County that are available for rent and for purchase.  Download this incredible podcast today!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/s36gnspfbycfymyq/GOTA02212026.mp3" length="84457537" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet invite Joe Parisi in-studio to give his expert advice on when to refi, and understanding what "rate drop" offers you the best savings on your mortgage.  Joe also talks about the many home loan programs that are available, he finds the one that fits you best. Joe also has loans that can get you in with zero down!  Other topics covered include tax advantages in home ownership including the write-offs that are available to home owners!  Karen &amp; Janet also chat about homes in Ventura County that are available for rent and for purchase.  Download this incredible podcast today!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3518</itunes:duration>
                <itunes:episode>393</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>This Podcast is dedicated to insurance needs for renters &amp; owners. A must listen with Karen, Janet &amp; Denise From Paladin Insurance!</title>
        <itunes:title>This Podcast is dedicated to insurance needs for renters &amp; owners. A must listen with Karen, Janet &amp; Denise From Paladin Insurance!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/this-podcast-is-dedicated-to-insurance-needs-for-renters-owners-a-must-listen-with-karen-janet-denise-from-paladin-insurance-1771328338/</link>
                    <comments>https://girlsontheair.podbean.com/e/this-podcast-is-dedicated-to-insurance-needs-for-renters-owners-a-must-listen-with-karen-janet-denise-from-paladin-insurance-1771328338/#comments</comments>        <pubDate>Tue, 17 Feb 2026 03:38:58 -0800</pubDate>
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                                    <description><![CDATA[<p class="p1">This podcast is packed with need-to-know information regarding insurance for renters, owners &amp; landlords. Janet, Karen &amp; Denise from Paladin begin the podcast discussing tenant policies for multi property owners, they cover liability insurance and workers comp coverage emphasizing the importance of an umbrella policy. Renters with kids and pets plus pools is also discussed.  Coverage that includes Coastal water issues, earthquakes, floods and mudslides, learn which coverage you need.  You will find out about the most expensive mistakes people make with insurance.  This podcast is a must listen!  With Jane, Karen &amp; Denise of Paladin Insurance!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p class="p1">This podcast is packed with need-to-know information regarding insurance for renters, owners &amp; landlords. Janet, Karen &amp; Denise from Paladin begin the podcast discussing tenant policies for multi property owners, they cover liability insurance and workers comp coverage emphasizing the importance of an umbrella policy. Renters with kids and pets plus pools is also discussed.  Coverage that includes Coastal water issues, earthquakes, floods and mudslides, learn which coverage you need.  You will find out about the most expensive mistakes people make with insurance.  This podcast is a must listen!  With Jane, Karen &amp; Denise of Paladin Insurance!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/c3uzyrg93hkgdhsn/GOTA02142026podcast.mp3" length="79208363" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This podcast is packed with need-to-know information regarding insurance for renters, owners &amp; landlords. Janet, Karen &amp; Denise from Paladin begin the podcast discussing tenant policies for multi property owners, they cover liability insurance and workers comp coverage emphasizing the importance of an umbrella policy. Renters with kids and pets plus pools is also discussed.  Coverage that includes Coastal water issues, earthquakes, floods and mudslides, learn which coverage you need.  You will find out about the most expensive mistakes people make with insurance.  This podcast is a must listen!  With Jane, Karen &amp; Denise of Paladin Insurance!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3300</itunes:duration>
                <itunes:episode>392</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>Expert Advice For VA Loans From Alex With Valor Home Loans Plus How Float Reiki Improves Focus &amp; Lifts Brain Fog!</title>
        <itunes:title>Expert Advice For VA Loans From Alex With Valor Home Loans Plus How Float Reiki Improves Focus &amp; Lifts Brain Fog!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/expert-advice-for-va-loans-from-alex-with-valor-home-loans-plus-how-float-reiki-improves-focus-lifts-brain-fog/</link>
                    <comments>https://girlsontheair.podbean.com/e/expert-advice-for-va-loans-from-alex-with-valor-home-loans-plus-how-float-reiki-improves-focus-lifts-brain-fog/#comments</comments>        <pubDate>Sat, 07 Feb 2026 12:14:22 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/16747810-5397-3a2a-88a6-8593f14f7552</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet start this podcast with buying and rental opportunities from Pierpont to Ventura County's beautiful hillsides.  Their first guest is Alex Rameriz of Valor Home Loans for veterans.  Alex is an expert who focuses on VA Loans, Alex &amp; his team know how to take advantage of all the benefits you earned and deserve, do not count yourself out on a home buying opportunity! Listen to what Alex has to say on this podcast.  Karen &amp; Janet's next guest is Shannon Vasquez owner of Float Reiki, one session with Shannon makes her clients feel like they are floating after the first treatment! Remove the fatigue &amp; fog and improve focus with Float Reiki! Another fantastic podcast with Karen &amp; Janet! </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet start this podcast with buying and rental opportunities from Pierpont to Ventura County's beautiful hillsides.  Their first guest is Alex Rameriz of Valor Home Loans for veterans.  Alex is an expert who focuses on VA Loans, Alex &amp; his team know how to take advantage of all the benefits you earned and deserve, do not count yourself out on a home buying opportunity! Listen to what Alex has to say on this podcast.  Karen &amp; Janet's next guest is Shannon Vasquez owner of Float Reiki, one session with Shannon makes her clients feel like they are floating after the first treatment! Remove the fatigue &amp; fog and improve focus with Float Reiki! Another fantastic podcast with Karen &amp; Janet! </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/zbvt83gyi6eqpfwm/GOTA02072026.mp3" length="84715585" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet start this podcast with buying and rental opportunities from Pierpont to Ventura County's beautiful hillsides.  Their first guest is Alex Rameriz of Valor Home Loans for veterans.  Alex is an expert who focuses on VA Loans, Alex &amp; his team know how to take advantage of all the benefits you earned and deserve, do not count yourself out on a home buying opportunity! Listen to what Alex has to say on this podcast.  Karen &amp; Janet's next guest is Shannon Vasquez owner of Float Reiki, one session with Shannon makes her clients feel like they are floating after the first treatment! Remove the fatigue &amp; fog and improve focus with Float Reiki! Another fantastic podcast with Karen &amp; Janet! ]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3529</itunes:duration>
                <itunes:episode>390</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>Rates Are Steady, First Wednesday Is Coming Up, Don't Wait To Meditate Plus Lots Of Listings &amp; Awesome Rental Options!</title>
        <itunes:title>Rates Are Steady, First Wednesday Is Coming Up, Don't Wait To Meditate Plus Lots Of Listings &amp; Awesome Rental Options!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/rates-are-steady-first-wednesday-is-coming-up-dont-wait-to-meditate-plus-lots-of-listings-awesome-rental-options/</link>
                    <comments>https://girlsontheair.podbean.com/e/rates-are-steady-first-wednesday-is-coming-up-dont-wait-to-meditate-plus-lots-of-listings-awesome-rental-options/#comments</comments>        <pubDate>Sat, 31 Jan 2026 12:15:49 -0800</pubDate>
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                                    <description><![CDATA[<p>Karen &amp; Janet open this podcast with amazing listing &amp; rental opportunities in Ventura County. Their first guest is Joe Parisi from Rate Home Mortgage reminding us that now is the time to get prepared to purchase a home! Rates are steady and it is essential to be pre-qualified and to be educated on costs like rates, taxes, insurance &amp; HOA fees.  Preparation plus planning with Joe makes your home purchase simple!  Bob Davis is next, and speaking of next First Wednesday is this Wednesday and it benefits A Heart of an Angel at Rocks &amp; Drams in Ventura Bob Davis has the details!  Their final guest is Andi Girl who has a big goal this year to help everyone get set for the rest of 2026 and that is to meditate with 5,000 this year!  Learn how to Focus, Create and cultivate peace and success with Andi Girl... another fabulous podcast with karen and Janet!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet open this podcast with amazing listing &amp; rental opportunities in Ventura County. Their first guest is Joe Parisi from Rate Home Mortgage reminding us that now is the time to get prepared to purchase a home! Rates are steady and it is essential to be pre-qualified and to be educated on costs like rates, taxes, insurance &amp; HOA fees.  Preparation plus planning with Joe makes your home purchase simple!  Bob Davis is next, and speaking of next First Wednesday is this Wednesday and it benefits A Heart of an Angel at Rocks &amp; Drams in Ventura Bob Davis has the details!  Their final guest is Andi Girl who has a big goal this year to help everyone get set for the rest of 2026 and that is to meditate with 5,000 this year!  Learn how to Focus, Create and cultivate peace and success with Andi Girl... another fabulous podcast with karen and Janet!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/c47sjhkichhcr2r9/GOTA01312026.mp3" length="86116417" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet open this podcast with amazing listing &amp; rental opportunities in Ventura County. Their first guest is Joe Parisi from Rate Home Mortgage reminding us that now is the time to get prepared to purchase a home! Rates are steady and it is essential to be pre-qualified and to be educated on costs like rates, taxes, insurance &amp; HOA fees.  Preparation plus planning with Joe makes your home purchase simple!  Bob Davis is next, and speaking of next First Wednesday is this Wednesday and it benefits A Heart of an Angel at Rocks &amp; Drams in Ventura Bob Davis has the details!  Their final guest is Andi Girl who has a big goal this year to help everyone get set for the rest of 2026 and that is to meditate with 5,000 this year!  Learn how to Focus, Create and cultivate peace and success with Andi Girl... another fabulous podcast with karen and Janet!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3587</itunes:duration>
                <itunes:episode>389</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>Derek from Smart Home Financial Has Exciting News on The Dream For all Program, Kevin From Reel Guppies &amp; An Incredible Home that Is Now Available On Dover Lane In Pierpont!</title>
        <itunes:title>Derek from Smart Home Financial Has Exciting News on The Dream For all Program, Kevin From Reel Guppies &amp; An Incredible Home that Is Now Available On Dover Lane In Pierpont!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/derekfromsmart-home-financial-hasexcitingnewson-the-dream-for-allprogramkevinfromreelguppiesan-incrediblehomethatis-now-available-ondoverlanein-pierpo/</link>
                    <comments>https://girlsontheair.podbean.com/e/derekfromsmart-home-financial-hasexcitingnewson-the-dream-for-allprogramkevinfromreelguppiesan-incrediblehomethatis-now-available-ondoverlanein-pierpo/#comments</comments>        <pubDate>Sat, 24 Jan 2026 12:28:53 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/7cef7aca-8e1e-340a-8d1c-2b4f4b9dd655</guid>
                                    <description><![CDATA[<p>This Girls On The Air Podcast with Karen &amp; Janet starts off with Rental and Buying Opportunities in Ventura County, from the beautiful hillsides to the beach communities there are many neighborhoods for you to call home.  Their first guest is Derek Contreras of Smart Home Mortgage.  Derek has exciting news on the "Dream For all Program" this is an amazing chance for first time buyers to own a home.  Derek has all the details and how you can get ready to apply on this podcast.  Next up, Kevin Brannon from Reel Guppies introduces two interns who are in the program that are learning film making, editing and production techniques along with environmental stewardship, independence and working with others.  Reel Guppies is for families and individuals who want to play an active part in their city.  Karen &amp; Janet's final guest is Deborah Delaney, a familiar voice and a local realtor who has a remarkable home on Dover lane in The Pierpont Community. This Cape Cod style home has white water views from inside and out, great for entertaining with the serenity of the beach. With plenty of parking and a spacious living area, it is a must-see.  Get the details from Deborah on this podcast.  Another great show with karen &amp; Janet!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This Girls On The Air Podcast with Karen &amp; Janet starts off with Rental and Buying Opportunities in Ventura County, from the beautiful hillsides to the beach communities there are many neighborhoods for you to call home.  Their first guest is Derek Contreras of Smart Home Mortgage.  Derek has exciting news on the "Dream For all Program" this is an amazing chance for first time buyers to own a home.  Derek has all the details and how you can get ready to apply on this podcast.  Next up, Kevin Brannon from Reel Guppies introduces two interns who are in the program that are learning film making, editing and production techniques along with environmental stewardship, independence and working with others.  Reel Guppies is for families and individuals who want to play an active part in their city.  Karen &amp; Janet's final guest is Deborah Delaney, a familiar voice and a local realtor who has a remarkable home on Dover lane in The Pierpont Community. This Cape Cod style home has white water views from inside and out, great for entertaining with the serenity of the beach. With plenty of parking and a spacious living area, it is a must-see.  Get the details from Deborah on this podcast.  Another great show with karen &amp; Janet!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/qzd7gjuc4c447gac/GOTA01242026.mp3" length="82309057" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This Girls On The Air Podcast with Karen &amp; Janet starts off with Rental and Buying Opportunities in Ventura County, from the beautiful hillsides to the beach communities there are many neighborhoods for you to call home.  Their first guest is Derek Contreras of Smart Home Mortgage.  Derek has exciting news on the "Dream For all Program" this is an amazing chance for first time buyers to own a home.  Derek has all the details and how you can get ready to apply on this podcast.  Next up, Kevin Brannon from Reel Guppies introduces two interns who are in the program that are learning film making, editing and production techniques along with environmental stewardship, independence and working with others.  Reel Guppies is for families and individuals who want to play an active part in their city.  Karen &amp; Janet's final guest is Deborah Delaney, a familiar voice and a local realtor who has a remarkable home on Dover lane in The Pierpont Community. This Cape Cod style home has white water views from inside and out, great for entertaining with the serenity of the beach. With plenty of parking and a spacious living area, it is a must-see.  Get the details from Deborah on this podcast.  Another great show with karen &amp; Janet!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3429</itunes:duration>
                <itunes:episode>388</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Great News On Rates With Joe Parisi &amp; Denise From Paladin Insurance With Essential Information For Home Owners!</title>
        <itunes:title>Great News On Rates With Joe Parisi &amp; Denise From Paladin Insurance With Essential Information For Home Owners!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/great-news-on-rates-with-joe-parisi-denise-from-paladin-insurance-with-essential-information-for-home-owners/</link>
                    <comments>https://girlsontheair.podbean.com/e/great-news-on-rates-with-joe-parisi-denise-from-paladin-insurance-with-essential-information-for-home-owners/#comments</comments>        <pubDate>Sat, 17 Jan 2026 12:25:50 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/37eac339-ee6c-3b04-84c5-43f0007509f2</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet open this podcast with rental and home buying opportunities throughout Ventura County, from condos to homes the beaches to hillsides there are many excellent places to call home.  Their first guest is Joe Parisi of Rate Home Mortgage and the news on rates is they are at a 3 year low! Joe will break down the benefits of points and what you need to know, he has all of the options to make sure you have the best loan and when to refi!  Next up Denise from Paladin who is the expert on consulting home owners regarding their insurance policies.  Concepts like Ordinance &amp; Law, Rewrites, Endorsements and more. Make sure you have the correct policy for your home and that it is up-to-date with Denise.  Another awesome podcast from Karen &amp; Janet!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet open this podcast with rental and home buying opportunities throughout Ventura County, from condos to homes the beaches to hillsides there are many excellent places to call home.  Their first guest is Joe Parisi of Rate Home Mortgage and the news on rates is they are at a 3 year low! Joe will break down the benefits of points and what you need to know, he has all of the options to make sure you have the best loan and when to refi!  Next up Denise from Paladin who is the expert on consulting home owners regarding their insurance policies.  Concepts like Ordinance &amp; Law, Rewrites, Endorsements and more. Make sure you have the correct policy for your home and that it is up-to-date with Denise.  Another awesome podcast from Karen &amp; Janet!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/5xawe72hdu96xrw3/GOTA01172026.mp3" length="85485121" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet open this podcast with rental and home buying opportunities throughout Ventura County, from condos to homes the beaches to hillsides there are many excellent places to call home.  Their first guest is Joe Parisi of Rate Home Mortgage and the news on rates is they are at a 3 year low! Joe will break down the benefits of points and what you need to know, he has all of the options to make sure you have the best loan and when to refi!  Next up Denise from Paladin who is the expert on consulting home owners regarding their insurance policies.  Concepts like Ordinance &amp; Law, Rewrites, Endorsements and more. Make sure you have the correct policy for your home and that it is up-to-date with Denise.  Another awesome podcast from Karen &amp; Janet!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3561</itunes:duration>
                <itunes:episode>387</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>VA Loans &amp; Rates, Simplifying Tech Noise At Your Business, Ventura Cycling Has A New Owner &amp; Cycling W/O Age!</title>
        <itunes:title>VA Loans &amp; Rates, Simplifying Tech Noise At Your Business, Ventura Cycling Has A New Owner &amp; Cycling W/O Age!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/va-loans-rates-simplifying-tech-noise-at-your-business-ventura-cycling-has-a-new-owner-cycling-wo-age/</link>
                    <comments>https://girlsontheair.podbean.com/e/va-loans-rates-simplifying-tech-noise-at-your-business-ventura-cycling-has-a-new-owner-cycling-wo-age/#comments</comments>        <pubDate>Sat, 10 Jan 2026 12:40:07 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/7592b98d-8719-37de-a179-46a9816f97fb</guid>
                                    <description><![CDATA[<p>This podcast with Karen &amp; Janet is packed with info you need to know!  They start the podcast with Alex Ramirez of Valor Home Loans.  Alex has great news for listeners who have VA Loans or who are eligible for a VA Loan.  Interest rates are down and loan limits are up, this gives the VA Loan a lot of flexibility that you need to take advantage of. Get the facts on this podcast with Alex! Megan Palmquist is next, Megan eliminates the "tech noise" at your business and simplifies the operation, Megan will do an audit and see how your company earns money and implementing the software you need, find out how you cut cost and increase revenue with Megan!  Their next guest is Will Hsiao the new owner of Ventura Cycling which has been in Ventura since 1912! Serving the cycling community for 2 and 3 wheelers Ventura Cycling offers, repair clinics, support for competitive cyclists and triathletes, on Friday they have many activities like yoga, running and cycling too. Plus they support bike riding with The Boys &amp; Girls Club! The final guests are from  Cycling Without Age, Mike &amp; Dan are in-studio to talk about free bike rides for seniors &amp; people with disabilities on bikes called Tri-Shaws, you can see everything they do at CWA-Ventura.org and hear all about it on this podcast with Karen &amp; Janet!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This podcast with Karen &amp; Janet is packed with info you need to know!  They start the podcast with Alex Ramirez of Valor Home Loans.  Alex has great news for listeners who have VA Loans or who are eligible for a VA Loan.  Interest rates are down and loan limits are up, this gives the VA Loan a lot of flexibility that you need to take advantage of. Get the facts on this podcast with Alex! Megan Palmquist is next, Megan eliminates the "tech noise" at your business and simplifies the operation, Megan will do an audit and see how your company earns money and implementing the software you need, find out how you cut cost and increase revenue with Megan!  Their next guest is Will Hsiao the new owner of Ventura Cycling which has been in Ventura since 1912! Serving the cycling community for 2 and 3 wheelers Ventura Cycling offers, repair clinics, support for competitive cyclists and triathletes, on Friday they have many activities like yoga, running and cycling too. Plus they support bike riding with The Boys &amp; Girls Club! The final guests are from  Cycling Without Age, Mike &amp; Dan are in-studio to talk about free bike rides for seniors &amp; people with disabilities on bikes called Tri-Shaws, you can see everything they do at CWA-Ventura.org and hear all about it on this podcast with Karen &amp; Janet!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/7qhxxxz9acz3v28m/GOTA01102026.mp3" length="85422910" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This podcast with Karen &amp; Janet is packed with info you need to know!  They start the podcast with Alex Ramirez of Valor Home Loans.  Alex has great news for listeners who have VA Loans or who are eligible for a VA Loan.  Interest rates are down and loan limits are up, this gives the VA Loan a lot of flexibility that you need to take advantage of. Get the facts on this podcast with Alex! Megan Palmquist is next, Megan eliminates the "tech noise" at your business and simplifies the operation, Megan will do an audit and see how your company earns money and implementing the software you need, find out how you cut cost and increase revenue with Megan!  Their next guest is Will Hsiao the new owner of Ventura Cycling which has been in Ventura since 1912! Serving the cycling community for 2 and 3 wheelers Ventura Cycling offers, repair clinics, support for competitive cyclists and triathletes, on Friday they have many activities like yoga, running and cycling too. Plus they support bike riding with The Boys &amp; Girls Club! The final guests are from  Cycling Without Age, Mike &amp; Dan are in-studio to talk about free bike rides for seniors &amp; people with disabilities on bikes called Tri-Shaws, you can see everything they do at CWA-Ventura.org and hear all about it on this podcast with Karen &amp; Janet!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3559</itunes:duration>
                <itunes:episode>386</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>2026 Starts With Positive News! Rates Are Down, Buying Opportunities Are Up, Plus Using The Internet To Make Your Business Phone Ring!</title>
        <itunes:title>2026 Starts With Positive News! Rates Are Down, Buying Opportunities Are Up, Plus Using The Internet To Make Your Business Phone Ring!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/2026-starts-with-positive-news-rates-are-down-buying-opportunities-are-up-plus-using-the-internet-to-make-your-business-phone-ring/</link>
                    <comments>https://girlsontheair.podbean.com/e/2026-starts-with-positive-news-rates-are-down-buying-opportunities-are-up-plus-using-the-internet-to-make-your-business-phone-ring/#comments</comments>        <pubDate>Sat, 03 Jan 2026 12:29:49 -0800</pubDate>
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                                    <description><![CDATA[<p>Karen &amp; Janet start the New Year with great news and a positive outlook for 2026. Their first guest is Larry Reyes from Smart Home Financial. Larry says rates are down as low as 5.5% and there are many programs for first time buyers. Larry guides you through the process on credit reports, bank statements and how "buy downs" can help buyers and sellers.  Never count yourself out, talk to Larry first and listen to the great information he has on this podcast.  Next up is Justin Soenke owner of Phase 3 Enterprises. We all have heard about AI but what do we actually know about AI? Justin's experience will show you which internet tools work best.  How to use essential information about your business and how to make your phone ring. Justin matches your message with what you are offering. People who visit your website are looking to buy, give them a reason... Show what you do and build belief in your business with Justin! To wrap up the show, Karen &amp; Janet review the new law regarding the requirements for rentals providing stoves and refrigerators to renters, get the facts on this podcast!  What a way to start the year with Karen &amp; Janet!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet start the New Year with great news and a positive outlook for 2026. Their first guest is Larry Reyes from Smart Home Financial. Larry says rates are down as low as 5.5% and there are many programs for first time buyers. Larry guides you through the process on credit reports, bank statements and how "buy downs" can help buyers and sellers.  Never count yourself out, talk to Larry first and listen to the great information he has on this podcast.  Next up is Justin Soenke owner of Phase 3 Enterprises. We all have heard about AI but what do we actually know about AI? Justin's experience will show you which internet tools work best.  How to use essential information about your business and how to make your phone ring. Justin matches your message with what you are offering. People who visit your website are looking to buy, give them a reason... Show what you do and build belief in your business with Justin! To wrap up the show, Karen &amp; Janet review the new law regarding the requirements for rentals providing stoves and refrigerators to renters, get the facts on this podcast!  What a way to start the year with Karen &amp; Janet!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/vda68t7exrgfrsqg/GOTA01032026.mp3" length="86407873" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet start the New Year with great news and a positive outlook for 2026. Their first guest is Larry Reyes from Smart Home Financial. Larry says rates are down as low as 5.5% and there are many programs for first time buyers. Larry guides you through the process on credit reports, bank statements and how "buy downs" can help buyers and sellers.  Never count yourself out, talk to Larry first and listen to the great information he has on this podcast.  Next up is Justin Soenke owner of Phase 3 Enterprises. We all have heard about AI but what do we actually know about AI? Justin's experience will show you which internet tools work best.  How to use essential information about your business and how to make your phone ring. Justin matches your message with what you are offering. People who visit your website are looking to buy, give them a reason... Show what you do and build belief in your business with Justin! To wrap up the show, Karen &amp; Janet review the new law regarding the requirements for rentals providing stoves and refrigerators to renters, get the facts on this podcast!  What a way to start the year with Karen &amp; Janet!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3600</itunes:duration>
                <itunes:episode>385</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>Karen &amp; Janet Talk Buying &amp; Renting Opportunities, Joe Parisi With Low Rates! &amp; Patricia Kipp Furnaro With Congrats Plus Santa Too!</title>
        <itunes:title>Karen &amp; Janet Talk Buying &amp; Renting Opportunities, Joe Parisi With Low Rates! &amp; Patricia Kipp Furnaro With Congrats Plus Santa Too!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/karen-janet-talk-buying-renting-opportunities-joe-parisi-with-low-rates-patricia-kipp-furnaro-with-congrats-plus-santa-too/</link>
                    <comments>https://girlsontheair.podbean.com/e/karen-janet-talk-buying-renting-opportunities-joe-parisi-with-low-rates-patricia-kipp-furnaro-with-congrats-plus-santa-too/#comments</comments>        <pubDate>Sat, 20 Dec 2025 12:14:44 -0800</pubDate>
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                                    <description><![CDATA[<p>What a podcast as Karen &amp; 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 &amp; Janet with wonderful thoughts and memories on how each of them guided her through buying, selling and renting properties over the years.  Karen &amp; 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! </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>What a podcast as Karen &amp; 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 &amp; Janet with wonderful thoughts and memories on how each of them guided her through buying, selling and renting properties over the years.  Karen &amp; 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! </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/3wgyjpnuy2kyvvks/GOTA12202025.mp3" length="82049195" type="audio/mpeg"/>
        <itunes:summary><![CDATA[What a podcast as Karen &amp; 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 &amp; Janet with wonderful thoughts and memories on how each of them guided her through buying, selling and renting properties over the years.  Karen &amp; 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! ]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3418</itunes:duration>
                <itunes:episode>384</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Trusts &amp; Probate, Reverse Mortgages, &amp; A Chat About Insurance For Your Car, Home Umbrella Polices Too!</title>
        <itunes:title>Trusts &amp; Probate, Reverse Mortgages, &amp; A Chat About Insurance For Your Car, Home Umbrella Polices Too!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/trusts-probate-reverse-mortgages-a-chat-about-insurance-for-your-car-home-umbrella-polices-too/</link>
                    <comments>https://girlsontheair.podbean.com/e/trusts-probate-reverse-mortgages-a-chat-about-insurance-for-your-car-home-umbrella-polices-too/#comments</comments>        <pubDate>Sat, 06 Dec 2025 12:43:01 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/c6422125-1fec-367e-8b37-2359ec3b9186</guid>
                                    <description><![CDATA[<p>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 &amp; 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!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>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 &amp; 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!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/deqpggrsdi84gmhn/GOTA12062025.mp3" length="83422465" type="audio/mpeg"/>
        <itunes:summary><![CDATA[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 &amp; 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!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3475</itunes:duration>
                <itunes:episode>383</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Karen &amp; Janet's Special Thanksgiving Weekend Guest Is Krista Pleiser Who Discusses Community Sustainability, Property Rights The Environment &amp; More For Santa Barbara &amp; Ventura County</title>
        <itunes:title>Karen &amp; Janet's Special Thanksgiving Weekend Guest Is Krista Pleiser Who Discusses Community Sustainability, Property Rights The Environment &amp; More For Santa Barbara &amp; Ventura County</itunes:title>
        <link>https://girlsontheair.podbean.com/e/karenjanetsspecial-thanksgiving-weekendguestis-kristapleiser-who-discusses-community-sustainability-property-rightsthe-environmentmore-for-santa-ba/</link>
                    <comments>https://girlsontheair.podbean.com/e/karenjanetsspecial-thanksgiving-weekendguestis-kristapleiser-who-discusses-community-sustainability-property-rightsthe-environmentmore-for-santa-ba/#comments</comments>        <pubDate>Sat, 29 Nov 2025 12:30:57 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/2b2700a2-9b24-30e5-b14b-bb00d4a446f7</guid>
                                    <description><![CDATA[<p class="x_MsoNormal">Karen &amp; 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 <a href='https://www.smartcoastca.org/'>Smart Coast California</a>, 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. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p class="x_MsoNormal">Karen &amp; 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 <a href='https://www.smartcoastca.org/'>Smart Coast California</a>, 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. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/w7rtabfft22guea6/GOTA292025_TGiveShow89fg2.mp3" length="82084907" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; 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. ]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3419</itunes:duration>
                <itunes:episode>382</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Incredible Home Purchase &amp; Rental Opportunities, Great Rates, Insurance &amp; Declaration Pages, Home Helpers &amp; Caregivers Plus First Wednesday!</title>
        <itunes:title>Incredible Home Purchase &amp; Rental Opportunities, Great Rates, Insurance &amp; Declaration Pages, Home Helpers &amp; Caregivers Plus First Wednesday!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/incredible-home-purchase-rental-opportunities-great-rates-insurance-declaration-pages-home-helpers-caregivers-plus-first-wednesday/</link>
                    <comments>https://girlsontheair.podbean.com/e/incredible-home-purchase-rental-opportunities-great-rates-insurance-declaration-pages-home-helpers-caregivers-plus-first-wednesday/#comments</comments>        <pubDate>Sat, 22 Nov 2025 12:18:04 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/f9079df2-650d-3b4d-805b-3bfe8a31b68f</guid>
                                    <description><![CDATA[<p>Karen &amp; 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 &amp; Janet wrap up the podcast with Bob Davis inviting you to December's First Wednesday on the third in Santa Paula at 10th &amp; MainThe Beneficiary is "The Spirit of Santa Paula" A great way to start the spirit of giving during the holiday season!.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; 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 &amp; Janet wrap up the podcast with Bob Davis inviting you to December's First Wednesday on the third in Santa Paula at 10th &amp; MainThe Beneficiary is "The Spirit of Santa Paula" A great way to start the spirit of giving during the holiday season!.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/5g6rncyxbdcnjyqs/GOTA11222025.mp3" length="85530625" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; 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 &amp; Janet wrap up the podcast with Bob Davis inviting you to December's First Wednesday on the third in Santa Paula at 10th &amp; MainThe Beneficiary is "The Spirit of Santa Paula" A great way to start the spirit of giving during the holiday season!.]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3563</itunes:duration>
                <itunes:episode>381</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Rejuvenate Your Roof With Roof Max, News On Affordable Housing, The Olivas Park Project , Healthy Skin &amp; More!</title>
        <itunes:title>Rejuvenate Your Roof With Roof Max, News On Affordable Housing, The Olivas Park Project , Healthy Skin &amp; More!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/rejuvenate-your-roof-with-roof-max-news-on-affordable-housing-the-olivas-park-project-healthy-skin-more/</link>
                    <comments>https://girlsontheair.podbean.com/e/rejuvenate-your-roof-with-roof-max-news-on-affordable-housing-the-olivas-park-project-healthy-skin-more/#comments</comments>        <pubDate>Sat, 15 Nov 2025 12:39:59 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/35b83c09-a94a-37f9-961e-d1e8b8cc00be</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet start this week's podcast with buying and rental opportunities in Ventura County, their first guest is Mark Monro with Roof Max of Simi Valley, the largest roofing company in The United States.  His system rejuvenates your roof with products that add many years to your roof's life.  Find out about the 10% discount with Girls On The Air! Next up it's Grant Leichfuss from Berkshire Hathaway. Grant is also involved with many projects in the city, he will talk about the Limoneira Project, The Olivas Park Extension and the need for The City of Ventura to meet the quota on new units that are mandated by the state. Karen &amp; Janet's last guest is Nina Rubin with Shaklee Skin Care.  Nina has products that will rejuvenate your skin and make you look years younger!  Another awesome podcast with Karen &amp; Janet!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet start this week's podcast with buying and rental opportunities in Ventura County, their first guest is Mark Monro with Roof Max of Simi Valley, the largest roofing company in The United States.  His system rejuvenates your roof with products that add many years to your roof's life.  Find out about the 10% discount with Girls On The Air! Next up it's Grant Leichfuss from Berkshire Hathaway. Grant is also involved with many projects in the city, he will talk about the Limoneira Project, The Olivas Park Extension and the need for The City of Ventura to meet the quota on new units that are mandated by the state. Karen &amp; Janet's last guest is Nina Rubin with Shaklee Skin Care.  Nina has products that will rejuvenate your skin and make you look years younger!  Another awesome podcast with Karen &amp; Janet!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ybt44w9iybnyms37/GOTA11152025.mp3" length="85991425" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet start this week's podcast with buying and rental opportunities in Ventura County, their first guest is Mark Monro with Roof Max of Simi Valley, the largest roofing company in The United States.  His system rejuvenates your roof with products that add many years to your roof's life.  Find out about the 10% discount with Girls On The Air! Next up it's Grant Leichfuss from Berkshire Hathaway. Grant is also involved with many projects in the city, he will talk about the Limoneira Project, The Olivas Park Extension and the need for The City of Ventura to meet the quota on new units that are mandated by the state. Karen &amp; Janet's last guest is Nina Rubin with Shaklee Skin Care.  Nina has products that will rejuvenate your skin and make you look years younger!  Another awesome podcast with Karen &amp; Janet!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3582</itunes:duration>
                <itunes:episode>380</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>Karen &amp; Janet's Tribute To Veterans With Veterans Mike Robb &amp; Jeff Wattenbach Hear Essential Information on VA Loans!</title>
        <itunes:title>Karen &amp; Janet's Tribute To Veterans With Veterans Mike Robb &amp; Jeff Wattenbach Hear Essential Information on VA Loans!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/karen-janets-tribute-to-veterans-with-veterans-mike-robb-jeff-wattenbach-hear-essential-information-on-va-loans/</link>
                    <comments>https://girlsontheair.podbean.com/e/karen-janets-tribute-to-veterans-with-veterans-mike-robb-jeff-wattenbach-hear-essential-information-on-va-loans/#comments</comments>        <pubDate>Sat, 08 Nov 2025 12:37:31 -0800</pubDate>
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                                    <description><![CDATA[<p>This special podcast with Karen &amp; Janet features two Veterans who are local real estate experts who tell us everything we need to know when it comes to VA Loans! The podcast starts with Mike Robb who served 24 years in The Navy along with Jeff Wattenbach who is a 20 year Veteran of The Seabees. Mike Robb is with Epic Realty and helps VA clients with Zero Down &amp; Zero Cost loans that can even prepay HOA costs. Jeff Wattenbach tells us about VA Loans, the importance of Certificates of Eligibility DV-214 documents Assumable &amp; Assumptive VA Loans too. Jeff &amp; Mike dispel myths about VA Loans, they are Veterans &amp; VA Loans are their specialty. Tell every Veteran who is looking to buy or sell to listen to this GOTA podcast!  Wrapping up the show is Casey, owner of Skin Love By Lulu. Casey has created  a comfortable and relaxing skin scare facility in Camarillo that includes Custom facials, relaxation, dealing with stress using the products that work for you and she has a special discount for Veterans listen in to find out more! Another awesome podcast from Karen &amp; Janet!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This special podcast with Karen &amp; Janet features two Veterans who are local real estate experts who tell us everything we need to know when it comes to VA Loans! The podcast starts with Mike Robb who served 24 years in The Navy along with Jeff Wattenbach who is a 20 year Veteran of The Seabees. Mike Robb is with Epic Realty and helps VA clients with Zero Down &amp; Zero Cost loans that can even prepay HOA costs. Jeff Wattenbach tells us about VA Loans, the importance of Certificates of Eligibility DV-214 documents Assumable &amp; Assumptive VA Loans too. Jeff &amp; Mike dispel myths about VA Loans, they are Veterans &amp; VA Loans are their specialty. Tell every Veteran who is looking to buy or sell to listen to this GOTA podcast!  Wrapping up the show is Casey, owner of Skin Love By Lulu. Casey has created  a comfortable and relaxing skin scare facility in Camarillo that includes Custom facials, relaxation, dealing with stress using the products that work for you and she has a special discount for Veterans listen in to find out more! Another awesome podcast from Karen &amp; Janet!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/z262nst9aeycunj2/GOTA110825use.mp3" length="84243691" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This special podcast with Karen &amp; Janet features two Veterans who are local real estate experts who tell us everything we need to know when it comes to VA Loans! The podcast starts with Mike Robb who served 24 years in The Navy along with Jeff Wattenbach who is a 20 year Veteran of The Seabees. Mike Robb is with Epic Realty and helps VA clients with Zero Down &amp; Zero Cost loans that can even prepay HOA costs. Jeff Wattenbach tells us about VA Loans, the importance of Certificates of Eligibility DV-214 documents Assumable &amp; Assumptive VA Loans too. Jeff &amp; Mike dispel myths about VA Loans, they are Veterans &amp; VA Loans are their specialty. Tell every Veteran who is looking to buy or sell to listen to this GOTA podcast!  Wrapping up the show is Casey, owner of Skin Love By Lulu. Casey has created  a comfortable and relaxing skin scare facility in Camarillo that includes Custom facials, relaxation, dealing with stress using the products that work for you and she has a special discount for Veterans listen in to find out more! Another awesome podcast from Karen &amp; Janet!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3509</itunes:duration>
                <itunes:episode>379</itunes:episode>
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        <title>A Reverse Mortgage Update, Holiday Parties At The Greek, Etiquette do's &amp; Don'ts  Plus A Trivia Challenge For The Libraries!Sterling Hills Golf Course</title>
        <itunes:title>A Reverse Mortgage Update, Holiday Parties At The Greek, Etiquette do's &amp; Don'ts  Plus A Trivia Challenge For The Libraries!Sterling Hills Golf Course</itunes:title>
        <link>https://girlsontheair.podbean.com/e/a-reverse-mortgage-update-holiday-parties-at-the-greek-etiquette-dos-donts-plus-a-trivia-challenge-for-the-librariessterling-hills-golf-course/</link>
                    <comments>https://girlsontheair.podbean.com/e/a-reverse-mortgage-update-holiday-parties-at-the-greek-etiquette-dos-donts-plus-a-trivia-challenge-for-the-librariessterling-hills-golf-course/#comments</comments>        <pubDate>Sat, 01 Nov 2025 12:23:44 -0700</pubDate>
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                                    <description><![CDATA[<p>Karen &amp; Janet open this podcast with buying and rental opportunities throughout Ventura County... Their first guest is Reverse Mortgage Queen Shelly Wells who tells us reverse mortgages can close within 30 days. Rates are edging down and now is an excellent time to learn which plan fits your needs and lifestyle.  Next up is Lynn from The Greek at The Ventura Harbor, Holiday parties are here and The Greek is taking reservations for The Parade of Lights and for your holiday party from friends 30 or more the Greek is your place for great food, dancing and fun! Etiquette is the next topic and Lisa Schoeffler, from which for to use, which water is yours, handshakes and conversation, List will teach you the proper way to enjoy your next get together.  Matt Shoupe wraps up the podcast inviting listeners to the Trivia Challenge on Wednesday November 5th at Sterling Hills Golf Club to benefit The Ventura Library Foundation.  Grab your smartest friends and listen to Girls On The Air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet open this podcast with buying and rental opportunities throughout Ventura County... Their first guest is Reverse Mortgage Queen Shelly Wells who tells us reverse mortgages can close within 30 days. Rates are edging down and now is an excellent time to learn which plan fits your needs and lifestyle.  Next up is Lynn from The Greek at The Ventura Harbor, Holiday parties are here and The Greek is taking reservations for The Parade of Lights and for your holiday party from friends 30 or more the Greek is your place for great food, dancing and fun! Etiquette is the next topic and Lisa Schoeffler, from which for to use, which water is yours, handshakes and conversation, List will teach you the proper way to enjoy your next get together.  Matt Shoupe wraps up the podcast inviting listeners to the Trivia Challenge on Wednesday November 5th at Sterling Hills Golf Club to benefit The Ventura Library Foundation.  Grab your smartest friends and listen to Girls On The Air!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/yhm7f9avh4rn6xjq/GOTA1112025.mp3" length="89780341" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet open this podcast with buying and rental opportunities throughout Ventura County... Their first guest is Reverse Mortgage Queen Shelly Wells who tells us reverse mortgages can close within 30 days. Rates are edging down and now is an excellent time to learn which plan fits your needs and lifestyle.  Next up is Lynn from The Greek at The Ventura Harbor, Holiday parties are here and The Greek is taking reservations for The Parade of Lights and for your holiday party from friends 30 or more the Greek is your place for great food, dancing and fun! Etiquette is the next topic and Lisa Schoeffler, from which for to use, which water is yours, handshakes and conversation, List will teach you the proper way to enjoy your next get together.  Matt Shoupe wraps up the podcast inviting listeners to the Trivia Challenge on Wednesday November 5th at Sterling Hills Golf Club to benefit The Ventura Library Foundation.  Grab your smartest friends and listen to Girls On The Air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3740</itunes:duration>
                <itunes:episode>378</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>Refi's Are Happening, Power Security For Your Business &amp; Events, Plus Websites That Make Your Phone Ring!</title>
        <itunes:title>Refi's Are Happening, Power Security For Your Business &amp; Events, Plus Websites That Make Your Phone Ring!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/refis-are-happening-power-security-for-your-business-events-plus-websites-that-make-your-phone-ring/</link>
                    <comments>https://girlsontheair.podbean.com/e/refis-are-happening-power-security-for-your-business-events-plus-websites-that-make-your-phone-ring/#comments</comments>        <pubDate>Sat, 25 Oct 2025 12:23:57 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/81a03e9f-8c77-3618-946b-7a1a8d7c1633</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet kick off this podcast with incredible rental &amp; buying opportunities in Ventura County there are many homes available right now! Their first guest, Larry Reyes of Smart Home Mortgage, has good news on rates they are down!, along with opportunities for FHA &amp; VA loans as Low as 5.5%.  Carlo Dean CEO of Power Security talks about the importance of having Security Guards who are clean cut, in shape and have the appearance that gives your event a classy look that makes attendees feel safe and secure. Find out how you can book Power Security for your next event. Justin Soenke is Karen &amp; Janet's final guest. Justin creates websites that identify your customer brings them to your website and makes your phone ring for business. There are 9 things your website must do to increase business, Justin makes sure you are doing all of them!  Another fun &amp; informative podcast with Janet &amp; Karen!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet kick off this podcast with incredible rental &amp; buying opportunities in Ventura County there are many homes available right now! Their first guest, Larry Reyes of Smart Home Mortgage, has good news on rates they are down!, along with opportunities for FHA &amp; VA loans as Low as 5.5%.  Carlo Dean CEO of Power Security talks about the importance of having Security Guards who are clean cut, in shape and have the appearance that gives your event a classy look that makes attendees feel safe and secure. Find out how you can book Power Security for your next event. Justin Soenke is Karen &amp; Janet's final guest. Justin creates websites that identify your customer brings them to your website and makes your phone ring for business. There are 9 things your website must do to increase business, Justin makes sure you are doing all of them!  Another fun &amp; informative podcast with Janet &amp; Karen!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/kstri9akqse2tdas/GOTA10252025.mp3" length="85297921" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet kick off this podcast with incredible rental &amp; buying opportunities in Ventura County there are many homes available right now! Their first guest, Larry Reyes of Smart Home Mortgage, has good news on rates they are down!, along with opportunities for FHA &amp; VA loans as Low as 5.5%.  Carlo Dean CEO of Power Security talks about the importance of having Security Guards who are clean cut, in shape and have the appearance that gives your event a classy look that makes attendees feel safe and secure. Find out how you can book Power Security for your next event. Justin Soenke is Karen &amp; Janet's final guest. Justin creates websites that identify your customer brings them to your website and makes your phone ring for business. There are 9 things your website must do to increase business, Justin makes sure you are doing all of them!  Another fun &amp; informative podcast with Janet &amp; Karen!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3553</itunes:duration>
                <itunes:episode>377</itunes:episode>
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    <item>
        <title>Rentals &amp; Buying Opportunities, Rates &amp; Refi's - Plus Group Health Insurance, Essential Information You Need To Know!</title>
        <itunes:title>Rentals &amp; Buying Opportunities, Rates &amp; Refi's - Plus Group Health Insurance, Essential Information You Need To Know!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/rentals-buying-opportunities-rates-refis-plus-group-health-insurance-essential-information-you-need-to-know/</link>
                    <comments>https://girlsontheair.podbean.com/e/rentals-buying-opportunities-rates-refis-plus-group-health-insurance-essential-information-you-need-to-know/#comments</comments>        <pubDate>Sat, 18 Oct 2025 12:15:53 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/23a982b9-55d9-31fe-a9fd-5410a7303287</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet start the podcast with buying and rental opportunities throughout Ventura County. Beautiful homes you can call your own.  Joe Parisi from Rate Home Mortgage is the first guest, Joe has great news on rates, as they continue to trickle down as he takes a deep dive into how the Fed's actions and decisions on rates for mortgages &amp; HELOCS.  Joe also talks about The Consumer Price Index and inflation numbers.  Wrapping up the podcast is Blas Hernandez, who is an expert in Group Health Insurance with 26 years of experience in Ventura County. Blas is here to protect small business clients so they can create health care plans, finding the ones that help the business and the individuals who work there, Blas has the facts you need.  Another awesome podcast with Karen &amp; Janet, Girls On The air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet start the podcast with buying and rental opportunities throughout Ventura County. Beautiful homes you can call your own.  Joe Parisi from Rate Home Mortgage is the first guest, Joe has great news on rates, as they continue to trickle down as he takes a deep dive into how the Fed's actions and decisions on rates for mortgages &amp; HELOCS.  Joe also talks about The Consumer Price Index and inflation numbers.  Wrapping up the podcast is Blas Hernandez, who is an expert in Group Health Insurance with 26 years of experience in Ventura County. Blas is here to protect small business clients so they can create health care plans, finding the ones that help the business and the individuals who work there, Blas has the facts you need.  Another awesome podcast with Karen &amp; Janet, Girls On The air!</p>
]]></content:encoded>
                                    
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        <itunes:summary><![CDATA[Karen &amp; Janet start the podcast with buying and rental opportunities throughout Ventura County. Beautiful homes you can call your own.  Joe Parisi from Rate Home Mortgage is the first guest, Joe has great news on rates, as they continue to trickle down as he takes a deep dive into how the Fed's actions and decisions on rates for mortgages &amp; HELOCS.  Joe also talks about The Consumer Price Index and inflation numbers.  Wrapping up the podcast is Blas Hernandez, who is an expert in Group Health Insurance with 26 years of experience in Ventura County. Blas is here to protect small business clients so they can create health care plans, finding the ones that help the business and the individuals who work there, Blas has the facts you need.  Another awesome podcast with Karen &amp; Janet, Girls On The air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3547</itunes:duration>
                <itunes:episode>376</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
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        <title>The Latest On Reverse Mortgages, Risk Tolerance &amp; Goals For Saving, Organizing Your Tech, Plus, Wellness Reimagined</title>
        <itunes:title>The Latest On Reverse Mortgages, Risk Tolerance &amp; Goals For Saving, Organizing Your Tech, Plus, Wellness Reimagined</itunes:title>
        <link>https://girlsontheair.podbean.com/e/the-latest-on-reverse-mortgages-risk-tolerance-goals-for-saving-organizing-your-tech-plus-wellness-reimagined/</link>
                    <comments>https://girlsontheair.podbean.com/e/the-latest-on-reverse-mortgages-risk-tolerance-goals-for-saving-organizing-your-tech-plus-wellness-reimagined/#comments</comments>        <pubDate>Sat, 04 Oct 2025 12:21:33 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/8bdb6682-c663-3ee0-9e67-49804e83a0e2</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet celebrate the 11th anniversary of Girls On The Air with a podcast that covers a number of important topics!  They start with Shelley Wells, The Reverse Mortgage Queen, Shelley creates a Reverse Mortgage that fits your needs and goals.  These are not cookie cutter programs, with Shelley you learn the options to get the best reverse mortgage available!  Next Karen &amp; Janet talk about saving and your future with Rick Jeffery, a Certified Financial Planner &amp; Public Speaker, who has worked through many different markets, financial ups &amp; downs, good times and challenging ones.  Rick finds what your risk tolerance is, goals and more to design a plan that will make your life, safe, secure, and fun!  Megan Palmquist is next, a solopreneur who offers a fourth quarter systems evaluation that helps you with time management, organization and efficiency. She fine tunes the systems in your business so you concentrate on your area of expertise!  Shannon Vasquez wraps up the podcast inviting listeners to The Ventura Women's Conference featuring authors, yoga, painting, boxing for fitness healing through humor &amp; more.  It's happening October 11, learn more with Shannon on this GOTA Podcast!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet celebrate the 11th anniversary of Girls On The Air with a podcast that covers a number of important topics!  They start with Shelley Wells, The Reverse Mortgage Queen, Shelley creates a Reverse Mortgage that fits your needs and goals.  These are not cookie cutter programs, with Shelley you learn the options to get the best reverse mortgage available!  Next Karen &amp; Janet talk about saving and your future with Rick Jeffery, a Certified Financial Planner &amp; Public Speaker, who has worked through many different markets, financial ups &amp; downs, good times and challenging ones.  Rick finds what your risk tolerance is, goals and more to design a plan that will make your life, safe, secure, and fun!  Megan Palmquist is next, a solopreneur who offers a fourth quarter systems evaluation that helps you with time management, organization and efficiency. She fine tunes the systems in your business so you concentrate on your area of expertise!  Shannon Vasquez wraps up the podcast inviting listeners to The Ventura Women's Conference featuring authors, yoga, painting, boxing for fitness healing through humor &amp; more.  It's happening October 11, learn more with Shannon on this GOTA Podcast!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/792g4stabc4i4j3q/GOTA10042025.mp3" length="85269697" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet celebrate the 11th anniversary of Girls On The Air with a podcast that covers a number of important topics!  They start with Shelley Wells, The Reverse Mortgage Queen, Shelley creates a Reverse Mortgage that fits your needs and goals.  These are not cookie cutter programs, with Shelley you learn the options to get the best reverse mortgage available!  Next Karen &amp; Janet talk about saving and your future with Rick Jeffery, a Certified Financial Planner &amp; Public Speaker, who has worked through many different markets, financial ups &amp; downs, good times and challenging ones.  Rick finds what your risk tolerance is, goals and more to design a plan that will make your life, safe, secure, and fun!  Megan Palmquist is next, a solopreneur who offers a fourth quarter systems evaluation that helps you with time management, organization and efficiency. She fine tunes the systems in your business so you concentrate on your area of expertise!  Shannon Vasquez wraps up the podcast inviting listeners to The Ventura Women's Conference featuring authors, yoga, painting, boxing for fitness healing through humor &amp; more.  It's happening October 11, learn more with Shannon on this GOTA Podcast!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3552</itunes:duration>
                <itunes:episode>375</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>Rates, VA Loans, Reverse Mortgages, City Council Happenings &amp; Preparing Your Home For The Fall!</title>
        <itunes:title>Rates, VA Loans, Reverse Mortgages, City Council Happenings &amp; Preparing Your Home For The Fall!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/rates-va-loans-reverse-mortgages-city-council-happenings-preparing-your-home-for-the-fall/</link>
                    <comments>https://girlsontheair.podbean.com/e/rates-va-loans-reverse-mortgages-city-council-happenings-preparing-your-home-for-the-fall/#comments</comments>        <pubDate>Sat, 27 Sep 2025 12:13:43 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/7b9dbe02-28d4-3d2a-9414-0c5a6284e180</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet, along with their special guest for the whole hour, Alex Ramirez from Valor Home Loans talk about rates and how they affect loans for Veterans and FHA rates. Many potential home buyers could see rates in the high fives according to Alex, he is a VA loan pro! Reverse Mortgages are in the conversation too. City Council agendas are discussed, there is a lot happening this week including tenant and owner harassment issues.  The podcast wraps with a chat about preparing your home for the fall.  Cleaning gutters, walking your property if you have an HOA, inspecting fireplaces and alarms plus a whole lot more.  Another informative podcast with Karen, Janet and their special guest Alex!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet, along with their special guest for the whole hour, Alex Ramirez from Valor Home Loans talk about rates and how they affect loans for Veterans and FHA rates. Many potential home buyers could see rates in the high fives according to Alex, he is a VA loan pro! Reverse Mortgages are in the conversation too. City Council agendas are discussed, there is a lot happening this week including tenant and owner harassment issues.  The podcast wraps with a chat about preparing your home for the fall.  Cleaning gutters, walking your property if you have an HOA, inspecting fireplaces and alarms plus a whole lot more.  Another informative podcast with Karen, Janet and their special guest Alex!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/723mi6d43xzzj6vz/GOTA09272025.mp3" length="84020353" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet, along with their special guest for the whole hour, Alex Ramirez from Valor Home Loans talk about rates and how they affect loans for Veterans and FHA rates. Many potential home buyers could see rates in the high fives according to Alex, he is a VA loan pro! Reverse Mortgages are in the conversation too. City Council agendas are discussed, there is a lot happening this week including tenant and owner harassment issues.  The podcast wraps with a chat about preparing your home for the fall.  Cleaning gutters, walking your property if you have an HOA, inspecting fireplaces and alarms plus a whole lot more.  Another informative podcast with Karen, Janet and their special guest Alex!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3500</itunes:duration>
                <itunes:episode>374</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>Everything You Need To Know About VA Loans &amp; The GOTA Women's Conference On October 11th, Let's Go Girls!</title>
        <itunes:title>Everything You Need To Know About VA Loans &amp; The GOTA Women's Conference On October 11th, Let's Go Girls!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/everything-you-need-to-know-about-va-loans-the-gota-womens-conference-on-october-11th-lets-go-girls/</link>
                    <comments>https://girlsontheair.podbean.com/e/everything-you-need-to-know-about-va-loans-the-gota-womens-conference-on-october-11th-lets-go-girls/#comments</comments>        <pubDate>Sat, 20 Sep 2025 16:52:15 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/fcd6f65d-7090-3e99-a01f-dc6c47f1e22a</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet start the podcast with buying and selling opportunities for homes for listeners who are looking to purchase their dream house or are looking for a beautiful rental, there are a variety of possibilities in Ventura County!  Their first guest is Alex Ramirez who is the expert on VA Loans.  Alex talks about loans for veterans that are in the 6% range along with Streamline Loans for Vets and the fact that these loans are assumable!  Alex and his team from Valor Home Loans are Veteran Loan Experts.  Shannon Vasquez, owner of Float Reiki is next to talk about the upcoming Women's Conference on October 11 at Portside Ventura.  Learn about the speaker's who are experts in legal matters, health, and a "Cleanse For Your Closet" too!  Another awesome podcast from Karen &amp; Janet!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet start the podcast with buying and selling opportunities for homes for listeners who are looking to purchase their dream house or are looking for a beautiful rental, there are a variety of possibilities in Ventura County!  Their first guest is Alex Ramirez who is the expert on VA Loans.  Alex talks about loans for veterans that are in the 6% range along with Streamline Loans for Vets and the fact that these loans are assumable!  Alex and his team from Valor Home Loans are Veteran Loan Experts.  Shannon Vasquez, owner of Float Reiki is next to talk about the upcoming Women's Conference on October 11 at Portside Ventura.  Learn about the speaker's who are experts in legal matters, health, and a "Cleanse For Your Closet" too!  Another awesome podcast from Karen &amp; Janet!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/g2yvyy3ez9vt928c/GOTA09202025.mp3" length="86024257" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet start the podcast with buying and selling opportunities for homes for listeners who are looking to purchase their dream house or are looking for a beautiful rental, there are a variety of possibilities in Ventura County!  Their first guest is Alex Ramirez who is the expert on VA Loans.  Alex talks about loans for veterans that are in the 6% range along with Streamline Loans for Vets and the fact that these loans are assumable!  Alex and his team from Valor Home Loans are Veteran Loan Experts.  Shannon Vasquez, owner of Float Reiki is next to talk about the upcoming Women's Conference on October 11 at Portside Ventura.  Learn about the speaker's who are experts in legal matters, health, and a "Cleanse For Your Closet" too!  Another awesome podcast from Karen &amp; Janet!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3584</itunes:duration>
                <itunes:episode>373</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Joe Parisi Has Rate Cut News from Rate Mortgage, Tamera Rossie Molina With Facts About Home Warranties &amp; Woody Woodburn With Mary Reese Are Here To Help Our Libraries!</title>
        <itunes:title>Joe Parisi Has Rate Cut News from Rate Mortgage, Tamera Rossie Molina With Facts About Home Warranties &amp; Woody Woodburn With Mary Reese Are Here To Help Our Libraries!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/joe-parisihasratecut-news-from-rate-mortgage-tamerarossie-molinawithfactsabout-home-warrantieswoodywoodburnwithmaryreesearehereto-help-our-libraries/</link>
                    <comments>https://girlsontheair.podbean.com/e/joe-parisihasratecut-news-from-rate-mortgage-tamerarossie-molinawithfactsabout-home-warrantieswoodywoodburnwithmaryreesearehereto-help-our-libraries/#comments</comments>        <pubDate>Sat, 13 Sep 2025 15:34:33 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/45859021-121e-3ff7-9b14-f0be7ebe51a2</guid>
                                    <description><![CDATA[<p>Karen, with her special Co-host, Tamera Rossie Molina, start this podcast with Joe Parisi from Rate Mortgage.  Joe tells us how recent and future rate decreases are tied to Fed cuts.  Rates are in the low 6 range and could go lower, Some people are even getting rates in the high 5's, find out how on this podcast.  Next, Tamera explains how "water loads" can affect appliances in your home and why you should have  warranties on appliances including AC!  They wrap up the podcast with columnist and author Woody Woodburn and Mary Reese inviting listeners to The  Botanical Gardens Fundraiser October 19th that will raise funds for The Libraries!  Another awesome podcast from Girls On The Air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen, with her special Co-host, Tamera Rossie Molina, start this podcast with Joe Parisi from Rate Mortgage.  Joe tells us how recent and future rate decreases are tied to Fed cuts.  Rates are in the low 6 range and could go lower, Some people are even getting rates in the high 5's, find out how on this podcast.  Next, Tamera explains how "water loads" can affect appliances in your home and why you should have  warranties on appliances including AC!  They wrap up the podcast with columnist and author Woody Woodburn and Mary Reese inviting listeners to The  Botanical Gardens Fundraiser October 19th that will raise funds for The Libraries!  Another awesome podcast from Girls On The Air!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/hgbefu8fh3kpvqkz/GOTA09132025.mp3" length="85311169" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen, with her special Co-host, Tamera Rossie Molina, start this podcast with Joe Parisi from Rate Mortgage.  Joe tells us how recent and future rate decreases are tied to Fed cuts.  Rates are in the low 6 range and could go lower, Some people are even getting rates in the high 5's, find out how on this podcast.  Next, Tamera explains how "water loads" can affect appliances in your home and why you should have  warranties on appliances including AC!  They wrap up the podcast with columnist and author Woody Woodburn and Mary Reese inviting listeners to The  Botanical Gardens Fundraiser October 19th that will raise funds for The Libraries!  Another awesome podcast from Girls On The Air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3554</itunes:duration>
                <itunes:episode>372</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Dropping Rates &amp; First Time Buyers, Romance Scams On Social Media Plus The Hobson Heights Home Tour, With Karen &amp; Janet!</title>
        <itunes:title>Dropping Rates &amp; First Time Buyers, Romance Scams On Social Media Plus The Hobson Heights Home Tour, With Karen &amp; Janet!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/dropping-rates-first-time-buyers-romance-scams-on-social-media-plus-the-hobson-heights-home-tour-with-karen-janet/</link>
                    <comments>https://girlsontheair.podbean.com/e/dropping-rates-first-time-buyers-romance-scams-on-social-media-plus-the-hobson-heights-home-tour-with-karen-janet/#comments</comments>        <pubDate>Sat, 06 Sep 2025 12:18:37 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/595a8089-88db-3d2e-8a73-71c2d1a1d402</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet start of the show with renting and buying opportunities in Ventura County from beachside communities to the hillsides.  Their first guest is Derek Contreras with rates, and yes they are dropping due to the low job numbers, there are more first time buyers in the market and many purchasing opportunities and HELOC information from Derek! Next up is John Good with the latest data on Romance Scams on the internet. John talks about scams that flatter and make a person feel wanted to the degree that the fall for scams that are created by AI. An important topic that everyone should be aware of.  Their last guests are with The Hobson Heights Home Tour that is happening September 27th, it benefits The Ventura Lands Trust and offers viewings of 7 incredible homes.  They also chat about a writers forum where you will not only learn that everyone has a story to tell and this writers group will help you tell your story!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet start of the show with renting and buying opportunities in Ventura County from beachside communities to the hillsides.  Their first guest is Derek Contreras with rates, and yes they are dropping due to the low job numbers, there are more first time buyers in the market and many purchasing opportunities and HELOC information from Derek! Next up is John Good with the latest data on Romance Scams on the internet. John talks about scams that flatter and make a person feel wanted to the degree that the fall for scams that are created by AI. An important topic that everyone should be aware of.  Their last guests are with The Hobson Heights Home Tour that is happening September 27th, it benefits The Ventura Lands Trust and offers viewings of 7 incredible homes.  They also chat about a writers forum where you will not only learn that everyone has a story to tell and this writers group will help you tell your story!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/2hqarxegxgj2dbem/GOTA09062025.mp3" length="85067521" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet start of the show with renting and buying opportunities in Ventura County from beachside communities to the hillsides.  Their first guest is Derek Contreras with rates, and yes they are dropping due to the low job numbers, there are more first time buyers in the market and many purchasing opportunities and HELOC information from Derek! Next up is John Good with the latest data on Romance Scams on the internet. John talks about scams that flatter and make a person feel wanted to the degree that the fall for scams that are created by AI. An important topic that everyone should be aware of.  Their last guests are with The Hobson Heights Home Tour that is happening September 27th, it benefits The Ventura Lands Trust and offers viewings of 7 incredible homes.  They also chat about a writers forum where you will not only learn that everyone has a story to tell and this writers group will help you tell your story!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3544</itunes:duration>
                <itunes:episode>371</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Bruce Holley From The Kirby Auto Group Shares Excellent Tips On How To Buy Or Lease An Automobile!</title>
        <itunes:title>Bruce Holley From The Kirby Auto Group Shares Excellent Tips On How To Buy Or Lease An Automobile!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/bruce-holley-from-the-kirby-auto-group-shares-excellent-tips-on-how-to-buy-or-lease-an-automobile/</link>
                    <comments>https://girlsontheair.podbean.com/e/bruce-holley-from-the-kirby-auto-group-shares-excellent-tips-on-how-to-buy-or-lease-an-automobile/#comments</comments>        <pubDate>Sat, 30 Aug 2025 13:09:12 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/53013700-709a-3aa6-8090-f7ffd0007ed2</guid>
                                    <description><![CDATA[<p>Karen And Janet welcome Bruce Holley from The Kirby Auto Group to tell their podcast listeners what they need to know when it comes to buying or leasing a car.  Bruce's first tip is Do Your Homework, study the car that fits your needs before you visit a dealership.  Bruce invites all GOTA podcast listeners to visit the Kirby Auto Group to see what good service looks like.  They support the community and would love to meet you!  Bruce has lots of great tips in this podcast, don't miss a minute!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen And Janet welcome Bruce Holley from The Kirby Auto Group to tell their podcast listeners what they need to know when it comes to buying or leasing a car.  Bruce's first tip is Do Your Homework, study the car that fits your needs before you visit a dealership.  Bruce invites all GOTA podcast listeners to visit the Kirby Auto Group to see what good service looks like.  They support the community and would love to meet you!  Bruce has lots of great tips in this podcast, don't miss a minute!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/bb398t96nb672spk/GOTA08212025.mp3" length="82569409" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen And Janet welcome Bruce Holley from The Kirby Auto Group to tell their podcast listeners what they need to know when it comes to buying or leasing a car.  Bruce's first tip is Do Your Homework, study the car that fits your needs before you visit a dealership.  Bruce invites all GOTA podcast listeners to visit the Kirby Auto Group to see what good service looks like.  They support the community and would love to meet you!  Bruce has lots of great tips in this podcast, don't miss a minute!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3440</itunes:duration>
                <itunes:episode>370</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Vets Valor &amp; VA Loans, 1031 Exchanges With Phil Atwan, Plus Author Carol Ricks &amp; Her Book Rumpled Brown Bag</title>
        <itunes:title>Vets Valor &amp; VA Loans, 1031 Exchanges With Phil Atwan, Plus Author Carol Ricks &amp; Her Book Rumpled Brown Bag</itunes:title>
        <link>https://girlsontheair.podbean.com/e/vets-valor-va-loans-1031-exchanges-with-phil-atwan-plus-author-carol-ricks-her-book-rumpled-brown-bag/</link>
                    <comments>https://girlsontheair.podbean.com/e/vets-valor-va-loans-1031-exchanges-with-phil-atwan-plus-author-carol-ricks-her-book-rumpled-brown-bag/#comments</comments>        <pubDate>Sat, 23 Aug 2025 14:10:46 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/a1c79f6b-e895-3d84-ad33-570f1ee027d9</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet's latest podcast starts with Alex Ramirez from Valor Home Finance talking rates and ways Vets can get rate reductions on their V.A. Loans.  Alex talks about the many options there are for those who have a V.A. Loan.  Alex is an expert who specializes in loans for Veterans.  Next up, Phil Atwan, who is a specialist in 1031 Exchanges, Janet and Karen have many questions for Phil and he has the answers, with everything you need to know when it comes to a 1031 Exchange loan, listen and learn with this informative discussion.    Their final guest is author Carol Ricks who just had her book published, Rumpled Brown Bag, a narrative about a young woman, life and social injustice with stories that are filled with history, hope &amp; humor.  A great read and conversation with Karen &amp; Janet... Girls On The Air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet's latest podcast starts with Alex Ramirez from Valor Home Finance talking rates and ways Vets can get rate reductions on their V.A. Loans.  Alex talks about the many options there are for those who have a V.A. Loan.  Alex is an expert who specializes in loans for Veterans.  Next up, Phil Atwan, who is a specialist in 1031 Exchanges, Janet and Karen have many questions for Phil and he has the answers, with everything you need to know when it comes to a 1031 Exchange loan, listen and learn with this informative discussion.    Their final guest is author Carol Ricks who just had her book published, Rumpled Brown Bag, a narrative about a young woman, life and social injustice with stories that are filled with history, hope &amp; humor.  A great read and conversation with Karen &amp; Janet... Girls On The Air!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/fyrxc83ekp2isk4k/gota082325.mp3" length="84837121" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet's latest podcast starts with Alex Ramirez from Valor Home Finance talking rates and ways Vets can get rate reductions on their V.A. Loans.  Alex talks about the many options there are for those who have a V.A. Loan.  Alex is an expert who specializes in loans for Veterans.  Next up, Phil Atwan, who is a specialist in 1031 Exchanges, Janet and Karen have many questions for Phil and he has the answers, with everything you need to know when it comes to a 1031 Exchange loan, listen and learn with this informative discussion.    Their final guest is author Carol Ricks who just had her book published, Rumpled Brown Bag, a narrative about a young woman, life and social injustice with stories that are filled with history, hope &amp; humor.  A great read and conversation with Karen &amp; Janet... Girls On The Air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3534</itunes:duration>
                <itunes:episode>369</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>The Reverse Mortgage Queen Shelly Wells, VCMC's Ronald McDonald Family Room Plus We Meditate Our Way To Health With Andi Girl!</title>
        <itunes:title>The Reverse Mortgage Queen Shelly Wells, VCMC's Ronald McDonald Family Room Plus We Meditate Our Way To Health With Andi Girl!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/the-reverse-mortgage-queen-shelly-wells-vcmcs-ronald-mcdonald-family-room-plus-we-meditate-our-way-to-health-with-andi-girl/</link>
                    <comments>https://girlsontheair.podbean.com/e/the-reverse-mortgage-queen-shelly-wells-vcmcs-ronald-mcdonald-family-room-plus-we-meditate-our-way-to-health-with-andi-girl/#comments</comments>        <pubDate>Sat, 16 Aug 2025 12:21:44 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/f98e87fd-b3c4-32ae-badb-491483eb1d2f</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet kick off this podcast with The Reverse Mortgage Queen Shelly Wells... The Expert On Reverse Mortgages because that is her full focus!  Shelly knows who benefits most by getting a reverse mortgage, Shelly will guide you through the process so you know the facts and see how the reverse mortgage helps you right now!  Next up, Jacquelyn Syndergaard, with VCMC's Ronald McDonald Family Room a 2,500 square foot living space that provides respite for parents and families of children who need hospitalization for many critical issues.  This room provides a place to rest, enjoy a meal, do work without leaving the hospital and being with your child at all times.  Jacquelyn has many ways you can support this room that benefits so many families in Ventura County.  They wrap up the podcast with Andi Girl who describes the benefits of meditation.  Andi Girl is a  practitioner of energy and "elevating the vibe" her experience has benefitted many people and often moves them for medication to meditation!  Another awesome podcast with Girls On The Air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet kick off this podcast with The Reverse Mortgage Queen Shelly Wells... The Expert On Reverse Mortgages because that is her full focus!  Shelly knows who benefits most by getting a reverse mortgage, Shelly will guide you through the process so you know the facts and see how the reverse mortgage helps you right now!  Next up, Jacquelyn Syndergaard, with VCMC's Ronald McDonald Family Room a 2,500 square foot living space that provides respite for parents and families of children who need hospitalization for many critical issues.  This room provides a place to rest, enjoy a meal, do work without leaving the hospital and being with your child at all times.  Jacquelyn has many ways you can support this room that benefits so many families in Ventura County.  They wrap up the podcast with Andi Girl who describes the benefits of meditation.  Andi Girl is a  practitioner of energy and "elevating the vibe" her experience has benefitted many people and often moves them for medication to meditation!  Another awesome podcast with Girls On The Air!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/5edj93b9fu8xfpwa/GOTA08162025.mp3" length="84988609" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet kick off this podcast with The Reverse Mortgage Queen Shelly Wells... The Expert On Reverse Mortgages because that is her full focus!  Shelly knows who benefits most by getting a reverse mortgage, Shelly will guide you through the process so you know the facts and see how the reverse mortgage helps you right now!  Next up, Jacquelyn Syndergaard, with VCMC's Ronald McDonald Family Room a 2,500 square foot living space that provides respite for parents and families of children who need hospitalization for many critical issues.  This room provides a place to rest, enjoy a meal, do work without leaving the hospital and being with your child at all times.  Jacquelyn has many ways you can support this room that benefits so many families in Ventura County.  They wrap up the podcast with Andi Girl who describes the benefits of meditation.  Andi Girl is a  practitioner of energy and "elevating the vibe" her experience has benefitted many people and often moves them for medication to meditation!  Another awesome podcast with Girls On The Air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3540</itunes:duration>
                <itunes:episode>368</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>The Importance of An Excellent Underwriter. Megan Palmquist Solopreneur Talks About What Kids Can Do At Home &amp; Learn Too!</title>
        <itunes:title>The Importance of An Excellent Underwriter. Megan Palmquist Solopreneur Talks About What Kids Can Do At Home &amp; Learn Too!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/the-importance-of-an-excellent-underwriter-megan-palmquist-solopreneur-talks-about-what-kids-can-do-at-home-learn-too/</link>
                    <comments>https://girlsontheair.podbean.com/e/the-importance-of-an-excellent-underwriter-megan-palmquist-solopreneur-talks-about-what-kids-can-do-at-home-learn-too/#comments</comments>        <pubDate>Sat, 09 Aug 2025 07:12:29 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/0f616eb8-afd2-3918-a259-1c15e8674efb</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet talk about the fair, living with intention, Ventura County homes for rent and for sale to open the podcast.  Their first guest is Larry Reyes who highlights the importance of Underwriters.  There is so much to know when you are buying a home, Larry, Janet &amp; Karen give you insight on underwriters when it comes to the purchase of a home.  Next up Megan Palmquist a "Solopreneur" gives us some incredible ideas on how to keep the kids focused at home while they are having fun and learning too.  She gives you great suggestions that will put your kids in creative mode and they might make a little cash too!  Last guest is Carlos from Bike For A Cause.  For years Carlos has hosted events where kids learn how to ride a bike safely while getting exercise and the independence that a bicycle provides for youngsters!  Another phenomenal podcast from Karen &amp; Janet!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet talk about the fair, living with intention, Ventura County homes for rent and for sale to open the podcast.  Their first guest is Larry Reyes who highlights the importance of Underwriters.  There is so much to know when you are buying a home, Larry, Janet &amp; Karen give you insight on underwriters when it comes to the purchase of a home.  Next up Megan Palmquist a "Solopreneur" gives us some incredible ideas on how to keep the kids focused at home while they are having fun and learning too.  She gives you great suggestions that will put your kids in creative mode and they might make a little cash too!  Last guest is Carlos from Bike For A Cause.  For years Carlos has hosted events where kids learn how to ride a bike safely while getting exercise and the independence that a bicycle provides for youngsters!  Another phenomenal podcast from Karen &amp; Janet!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ev64abqexitexwwa/GOTA07122025air8825.mp3" length="85337579" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet talk about the fair, living with intention, Ventura County homes for rent and for sale to open the podcast.  Their first guest is Larry Reyes who highlights the importance of Underwriters.  There is so much to know when you are buying a home, Larry, Janet &amp; Karen give you insight on underwriters when it comes to the purchase of a home.  Next up Megan Palmquist a "Solopreneur" gives us some incredible ideas on how to keep the kids focused at home while they are having fun and learning too.  She gives you great suggestions that will put your kids in creative mode and they might make a little cash too!  Last guest is Carlos from Bike For A Cause.  For years Carlos has hosted events where kids learn how to ride a bike safely while getting exercise and the independence that a bicycle provides for youngsters!  Another phenomenal podcast from Karen &amp; Janet!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3555</itunes:duration>
                <itunes:episode>367</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Real Estate Listings, Justin With Phase 3 Small Business Web Design &amp; Marketing, Denise from Paladin Insurance Talks Policies, Plus Bob Davis With First Wednesday!</title>
        <itunes:title>Real Estate Listings, Justin With Phase 3 Small Business Web Design &amp; Marketing, Denise from Paladin Insurance Talks Policies, Plus Bob Davis With First Wednesday!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/realestate-listingsjustin-with-phase3-small-business-webdesignmarketingdenise-from-paladininsurancetalks-policiesplus-bobdavis-with-first-wednesday/</link>
                    <comments>https://girlsontheair.podbean.com/e/realestate-listingsjustin-with-phase3-small-business-webdesignmarketingdenise-from-paladininsurancetalks-policiesplus-bobdavis-with-first-wednesday/#comments</comments>        <pubDate>Sat, 02 Aug 2025 12:34:32 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/894a7091-6fc6-3db8-b46f-6e323566f89b</guid>
                                    <description><![CDATA[<p>Karen along with her guest host Bob Ridgway, a realtor with Keller Williams, kick off the podcast with buying opportunities and listings right here in Ventura County. Their first guest is Justin Soenke with Phase 3, he is an expert in creating a website and online presence that gets your businesses phone to ring. Justin makes your website the final destination for customers that shows how you solve problems and create business Justin has been building websites for many years, hear how he creates the perfect one for you!  Next Karen &amp; Bob talk insurance with Denise of Paladin Insurance Services.  From fire to earthquake, leak detection and more, Denise talks about insurance for your home and car... umbrellas too.  Denise is the local expert that explains this confusing world of insurance coverage in simple terms.  To close out the podcast Bob Davis invites everyone to The First Wednesday at Rocks &amp; Drams in Ventura that will raise money for the Ronald McDonald Family Room in Ventura.  A fun "happy Hour", that raises cash for a great cause and lets you network too.  another awesome podcast from Girls On The Air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen along with her guest host Bob Ridgway, a realtor with Keller Williams, kick off the podcast with buying opportunities and listings right here in Ventura County. Their first guest is Justin Soenke with Phase 3, he is an expert in creating a website and online presence that gets your businesses phone to ring. Justin makes your website the final destination for customers that shows how you solve problems and create business Justin has been building websites for many years, hear how he creates the perfect one for you!  Next Karen &amp; Bob talk insurance with Denise of Paladin Insurance Services.  From fire to earthquake, leak detection and more, Denise talks about insurance for your home and car... umbrellas too.  Denise is the local expert that explains this confusing world of insurance coverage in simple terms.  To close out the podcast Bob Davis invites everyone to The First Wednesday at Rocks &amp; Drams in Ventura that will raise money for the Ronald McDonald Family Room in Ventura.  A fun "happy Hour", that raises cash for a great cause and lets you network too.  another awesome podcast from Girls On The Air!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ivweuxu7h7fzger4/GOTA08022025.mp3" length="85296193" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen along with her guest host Bob Ridgway, a realtor with Keller Williams, kick off the podcast with buying opportunities and listings right here in Ventura County. Their first guest is Justin Soenke with Phase 3, he is an expert in creating a website and online presence that gets your businesses phone to ring. Justin makes your website the final destination for customers that shows how you solve problems and create business Justin has been building websites for many years, hear how he creates the perfect one for you!  Next Karen &amp; Bob talk insurance with Denise of Paladin Insurance Services.  From fire to earthquake, leak detection and more, Denise talks about insurance for your home and car... umbrellas too.  Denise is the local expert that explains this confusing world of insurance coverage in simple terms.  To close out the podcast Bob Davis invites everyone to The First Wednesday at Rocks &amp; Drams in Ventura that will raise money for the Ronald McDonald Family Room in Ventura.  A fun "happy Hour", that raises cash for a great cause and lets you network too.  another awesome podcast from Girls On The Air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3553</itunes:duration>
                <itunes:episode>366</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>#560 Marketing Your Company With Pete Ibarra Designs, Loans For Veterans With Alex Ramirez of Valor Home Loans &amp; Buying/Rental Opportunities!</title>
        <itunes:title>#560 Marketing Your Company With Pete Ibarra Designs, Loans For Veterans With Alex Ramirez of Valor Home Loans &amp; Buying/Rental Opportunities!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/560-marketing-your-company-with-pete-ibarra-designs-loans-for-veterans-with-alex-ramirez-of-valor-home-loans-buyingrental-opportunities/</link>
                    <comments>https://girlsontheair.podbean.com/e/560-marketing-your-company-with-pete-ibarra-designs-loans-for-veterans-with-alex-ramirez-of-valor-home-loans-buyingrental-opportunities/#comments</comments>        <pubDate>Sat, 26 Jul 2025 15:44:16 -0700</pubDate>
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                                    <description><![CDATA[<p>Karen &amp; Janet kick off this podcast with The Way to kick start your business!  Their first guest is Pete Ibarra who designs digital and marketing campaigns that identifies your company's audience, their interests, where they are on social media and what motivates them to reach out to your company. Listen to Pete as he shows how to use analytics to increase business!  Alex Ramirez of Valor Home Loans is the guest for the second half of the podcast.  Alex has focused on Home Loans for Veterans for years. Alex researches each veterans service history and finds every benefit available for Home Buying Vets, make sure you are getting everything you deserve for your service! Hundreds of VA loans have gone to Veterans and first responders because of Valor Home Loans expertise.  If you are a vet or know one, this is a must listen to podcast.  Plus you will learn what is happening in the world of renting and buying right here in Ventura County with Janet &amp; Karen!  Another awesome podcast!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet kick off this podcast with The Way to kick start your business!  Their first guest is Pete Ibarra who designs digital and marketing campaigns that identifies your company's audience, their interests, where they are on social media and what motivates them to reach out to your company. Listen to Pete as he shows how to use analytics to increase business!  Alex Ramirez of Valor Home Loans is the guest for the second half of the podcast.  Alex has focused on Home Loans for Veterans for years. Alex researches each veterans service history and finds every benefit available for Home Buying Vets, make sure you are getting everything you deserve for your service! Hundreds of VA loans have gone to Veterans and first responders because of Valor Home Loans expertise.  If you are a vet or know one, this is a must listen to podcast.  Plus you will learn what is happening in the world of renting and buying right here in Ventura County with Janet &amp; Karen!  Another awesome podcast!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/u9nr6gkxshmtxi59/GOTA07252025.mp3" length="83609665" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet kick off this podcast with The Way to kick start your business!  Their first guest is Pete Ibarra who designs digital and marketing campaigns that identifies your company's audience, their interests, where they are on social media and what motivates them to reach out to your company. Listen to Pete as he shows how to use analytics to increase business!  Alex Ramirez of Valor Home Loans is the guest for the second half of the podcast.  Alex has focused on Home Loans for Veterans for years. Alex researches each veterans service history and finds every benefit available for Home Buying Vets, make sure you are getting everything you deserve for your service! Hundreds of VA loans have gone to Veterans and first responders because of Valor Home Loans expertise.  If you are a vet or know one, this is a must listen to podcast.  Plus you will learn what is happening in the world of renting and buying right here in Ventura County with Janet &amp; Karen!  Another awesome podcast!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3483</itunes:duration>
                <itunes:episode>365</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>#559 Joe Parisi Talks Rates &amp; The Power of Home Ownership - Shannon Riley Has Expert Advice On Dog Training With Empathy!</title>
        <itunes:title>#559 Joe Parisi Talks Rates &amp; The Power of Home Ownership - Shannon Riley Has Expert Advice On Dog Training With Empathy!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/559-joe-parisi-talks-rates-the-power-of-home-ownership-shannon-riley-has-expert-advice-on-dog-training-with-empathy/</link>
                    <comments>https://girlsontheair.podbean.com/e/559-joe-parisi-talks-rates-the-power-of-home-ownership-shannon-riley-has-expert-advice-on-dog-training-with-empathy/#comments</comments>        <pubDate>Sat, 19 Jul 2025 12:13:19 -0700</pubDate>
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                                    <description><![CDATA[<p>Podcast #559 with Karen &amp; Janet starts off with rental and buying opportunities in Ventura County, they are joined by Joe Parisi who talks about rates &amp; credit, plus programs that will help you qualify for a home purchase and the most important conversation, the creation of wealthy through home ownership!  Their next guest, Shannon Riley owner of Truly Force Free Animal Training, talks about her online animal training academy, a good manners course for your dog plus interaction with friends and strangers.  From rescues to pups and our older best friends Shannon has a program for you and your pet!.  Another great podcast from Janet &amp; Karen, GOTA!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Podcast #559 with Karen &amp; Janet starts off with rental and buying opportunities in Ventura County, they are joined by Joe Parisi who talks about rates &amp; credit, plus programs that will help you qualify for a home purchase and the most important conversation, the creation of wealthy through home ownership!  Their next guest, Shannon Riley owner of Truly Force Free Animal Training, talks about her online animal training academy, a good manners course for your dog plus interaction with friends and strangers.  From rescues to pups and our older best friends Shannon has a program for you and your pet!.  Another great podcast from Janet &amp; Karen, GOTA!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ii2mx7pj7p9q8hdb/GOTA07192025.mp3" length="84047425" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Podcast #559 with Karen &amp; Janet starts off with rental and buying opportunities in Ventura County, they are joined by Joe Parisi who talks about rates &amp; credit, plus programs that will help you qualify for a home purchase and the most important conversation, the creation of wealthy through home ownership!  Their next guest, Shannon Riley owner of Truly Force Free Animal Training, talks about her online animal training academy, a good manners course for your dog plus interaction with friends and strangers.  From rescues to pups and our older best friends Shannon has a program for you and your pet!.  Another great podcast from Janet &amp; Karen, GOTA!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3501</itunes:duration>
                <itunes:episode>364</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Learn About Transactions, Loan Officers &amp; Bank Statements Plus Great Ways For Kids To Have Fun &amp; Earn Cash During The Summer!</title>
        <itunes:title>Learn About Transactions, Loan Officers &amp; Bank Statements Plus Great Ways For Kids To Have Fun &amp; Earn Cash During The Summer!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/learn-about-transactions-loan-officers-bank-statements-plus-great-ways-for-kids-to-have-fun-earn-cash-during-the-summer/</link>
                    <comments>https://girlsontheair.podbean.com/e/learn-about-transactions-loan-officers-bank-statements-plus-great-ways-for-kids-to-have-fun-earn-cash-during-the-summer/#comments</comments>        <pubDate>Sat, 12 Jul 2025 14:54:33 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/2bae726f-cf62-3264-9805-d849f52a447e</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet start off the podcast with Larry Reyes from Smart Home Mortgage with news on rates and the volatile market along with facts you need to know regarding underwriting, bank statements and what an excellent loan officers must do! Megan Palmquist is next, known as the Solopreneur, Megan has awesome ways your kids can have fun during the summer and make money with their skills, knowledge and passion using the internet.  the podcast wraps up with Carlos from Bike For A Cause with many great events coming up for the rest of the summer!  </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet start off the podcast with Larry Reyes from Smart Home Mortgage with news on rates and the volatile market along with facts you need to know regarding underwriting, bank statements and what an excellent loan officers must do! Megan Palmquist is next, known as the Solopreneur, Megan has awesome ways your kids can have fun during the summer and make money with their skills, knowledge and passion using the internet.  the podcast wraps up with Carlos from Bike For A Cause with many great events coming up for the rest of the summer!  </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ev64abqexitexwwa/GOTA07122025air8825.mp3" length="85337579" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet start off the podcast with Larry Reyes from Smart Home Mortgage with news on rates and the volatile market along with facts you need to know regarding underwriting, bank statements and what an excellent loan officers must do! Megan Palmquist is next, known as the Solopreneur, Megan has awesome ways your kids can have fun during the summer and make money with their skills, knowledge and passion using the internet.  the podcast wraps up with Carlos from Bike For A Cause with many great events coming up for the rest of the summer!  ]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3555</itunes:duration>
                <itunes:episode>363</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Karen &amp; Janet Are All Green For This Podcast With Green Eileen, From Your Garden To Energy To Money In Your Pocket, Let's Get Green!</title>
        <itunes:title>Karen &amp; Janet Are All Green For This Podcast With Green Eileen, From Your Garden To Energy To Money In Your Pocket, Let's Get Green!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/karen-janet-are-all-green-for-this-podcast-with-green-eileen-from-your-garden-to-energy-to-money-in-your-pocket-lets-get-green/</link>
                    <comments>https://girlsontheair.podbean.com/e/karen-janet-are-all-green-for-this-podcast-with-green-eileen-from-your-garden-to-energy-to-money-in-your-pocket-lets-get-green/#comments</comments>        <pubDate>Sat, 05 Jul 2025 07:54:40 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/42552ba6-38d8-36af-b257-a1f9feb53b64</guid>
                                    <description><![CDATA[<p>This podcast is filled with so much information you will have to listen twice!  Karen &amp; Janet's exclusive guest is Green Eileen.  Eileen starts with your garden, from drought tolerant plants to making your landscape fire resistant and saving money while keeping your home beautiful.  Eileen then goes to energy savings inside your house that make your life more comfortable and saves you lots of cash!  This show is all green with Karen, Janet &amp; Green Eileen!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This podcast is filled with so much information you will have to listen twice!  Karen &amp; Janet's exclusive guest is Green Eileen.  Eileen starts with your garden, from drought tolerant plants to making your landscape fire resistant and saving money while keeping your home beautiful.  Eileen then goes to energy savings inside your house that make your life more comfortable and saves you lots of cash!  This show is all green with Karen, Janet &amp; Green Eileen!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/uzzvp2n3iahfk995/GOTAGOTA07052025.mp3" length="81733352" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This podcast is filled with so much information you will have to listen twice!  Karen &amp; Janet's exclusive guest is Green Eileen.  Eileen starts with your garden, from drought tolerant plants to making your landscape fire resistant and saving money while keeping your home beautiful.  Eileen then goes to energy savings inside your house that make your life more comfortable and saves you lots of cash!  This show is all green with Karen, Janet &amp; Green Eileen!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3405</itunes:duration>
                <itunes:episode>362</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>The Market Is Picking Up, Learn About Cash Buyouts Plus Special Guest Rob Leatherwood Government Affairs Director For The Ventura County Coastal Association of Realtors!</title>
        <itunes:title>The Market Is Picking Up, Learn About Cash Buyouts Plus Special Guest Rob Leatherwood Government Affairs Director For The Ventura County Coastal Association of Realtors!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/the-marketis-picking-uplearn-about-cash-buyoutsplusspecial-guestrob-leatherwoodgovernment-affairsdirector-for-the-venturacounty-coastalassociation-of/</link>
                    <comments>https://girlsontheair.podbean.com/e/the-marketis-picking-uplearn-about-cash-buyoutsplusspecial-guestrob-leatherwoodgovernment-affairsdirector-for-the-venturacounty-coastalassociation-of/#comments</comments>        <pubDate>Sat, 28 Jun 2025 12:39:57 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/98943b99-2c70-320a-8093-b21764aad6b9</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet's first guest for this week's podcast is Larry Reyes from Smart Home Mortgage.  Larry has good news for the market as inventory has picked up - plus learn about how a Cash-out Refi will help you with construction of an ADU and with expenses.  Larry will talk about buyouts for divorcing or separating couples too.  Janet and Karen's next guest is Rob Leatherwood, Government Affairs Director, Ventura County Coastal Association of Realtors.  Rob is a wealth of information for both owners and renters!  Topics Rob discusses on this podcast include, insurance quotes and how changing policies will affect you, learn about laws that apply to renters, buyers and landlords. Understand these laws and how they apply to you.  Rob discusses the protection homeowners still have under Prop 13.  He also covers conversion of commercial space to mixed use  and how it will help Ventura County!  So much information you need from Karen &amp; Janet, Girls On The Air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet's first guest for this week's podcast is Larry Reyes from Smart Home Mortgage.  Larry has good news for the market as inventory has picked up - plus learn about how a Cash-out Refi will help you with construction of an ADU and with expenses.  Larry will talk about buyouts for divorcing or separating couples too.  Janet and Karen's next guest is Rob Leatherwood, Government Affairs Director, Ventura County Coastal Association of Realtors.  Rob is a wealth of information for both owners and renters!  Topics Rob discusses on this podcast include, insurance quotes and how changing policies will affect you, learn about laws that apply to renters, buyers and landlords. Understand these laws and how they apply to you.  Rob discusses the protection homeowners still have under Prop 13.  He also covers conversion of commercial space to mixed use  and how it will help Ventura County!  So much information you need from Karen &amp; Janet, Girls On The Air!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/fptsfk2uyxzbspfb/GOTA06282025.mp3" length="81642049" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet's first guest for this week's podcast is Larry Reyes from Smart Home Mortgage.  Larry has good news for the market as inventory has picked up - plus learn about how a Cash-out Refi will help you with construction of an ADU and with expenses.  Larry will talk about buyouts for divorcing or separating couples too.  Janet and Karen's next guest is Rob Leatherwood, Government Affairs Director, Ventura County Coastal Association of Realtors.  Rob is a wealth of information for both owners and renters!  Topics Rob discusses on this podcast include, insurance quotes and how changing policies will affect you, learn about laws that apply to renters, buyers and landlords. Understand these laws and how they apply to you.  Rob discusses the protection homeowners still have under Prop 13.  He also covers conversion of commercial space to mixed use  and how it will help Ventura County!  So much information you need from Karen &amp; Janet, Girls On The Air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3401</itunes:duration>
                <itunes:episode>361</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Buying &amp; Renting Opportunities - The Reverse Mortgage Queen &amp; Monarch Butterflies!</title>
        <itunes:title>Buying &amp; Renting Opportunities - The Reverse Mortgage Queen &amp; Monarch Butterflies!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/buying-renting-opportunities-the-reverse-mortgage-queen-monarch-butterflies/</link>
                    <comments>https://girlsontheair.podbean.com/e/buying-renting-opportunities-the-reverse-mortgage-queen-monarch-butterflies/#comments</comments>        <pubDate>Sat, 21 Jun 2025 12:13:46 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/3ad8aabd-6edd-33bf-aac7-e2dbfa22e958</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet start the podcast with buying and rental opportunities in Ventura County and the news is excellent for both buyers and sellers!  Their first guest is The Revers Mortgage Queen of North America, Shelley Wells!  Shelley talks about HOA's &amp; Condos, the things you need to know when you are considering a reverse mortgage.  How insurance, HOA Fees and rental fees for Mobile Home spaces can affect your decisions.  Shelly has been working in Ventura County market for years, she is an expert on reverse mortgages.  Their next guest is Chris Amendt, a local landscaper who creates spaces that are beautiful and Monarch Butterfly friendly. Chris has a wealth of knowledge when it comes to monarch friendly habitats, check her website at nativemonarchs.org. Karen, Janet &amp; Shelley wrap-up the podcast with a roundtable discussion on relocation and real estate!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet start the podcast with buying and rental opportunities in Ventura County and the news is excellent for both buyers and sellers!  Their first guest is The Revers Mortgage Queen of North America, Shelley Wells!  Shelley talks about HOA's &amp; Condos, the things you need to know when you are considering a reverse mortgage.  How insurance, HOA Fees and rental fees for Mobile Home spaces can affect your decisions.  Shelly has been working in Ventura County market for years, she is an expert on reverse mortgages.  Their next guest is Chris Amendt, a local landscaper who creates spaces that are beautiful and Monarch Butterfly friendly. Chris has a wealth of knowledge when it comes to monarch friendly habitats, check her website at nativemonarchs.org. Karen, Janet &amp; Shelley wrap-up the podcast with a roundtable discussion on relocation and real estate!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/b34nsvxsmx6sd6m2/GOTA06212025.mp3" length="84763393" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet start the podcast with buying and rental opportunities in Ventura County and the news is excellent for both buyers and sellers!  Their first guest is The Revers Mortgage Queen of North America, Shelley Wells!  Shelley talks about HOA's &amp; Condos, the things you need to know when you are considering a reverse mortgage.  How insurance, HOA Fees and rental fees for Mobile Home spaces can affect your decisions.  Shelly has been working in Ventura County market for years, she is an expert on reverse mortgages.  Their next guest is Chris Amendt, a local landscaper who creates spaces that are beautiful and Monarch Butterfly friendly. Chris has a wealth of knowledge when it comes to monarch friendly habitats, check her website at nativemonarchs.org. Karen, Janet &amp; Shelley wrap-up the podcast with a roundtable discussion on relocation and real estate!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3531</itunes:duration>
                <itunes:episode>360</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>#554 Buyer Confidence Is Up! Reverse Mortgages Are Perfect For Major Purchases &amp; It's National Blood Donations Day, Hear How You Can Help At Vitalant!</title>
        <itunes:title>#554 Buyer Confidence Is Up! Reverse Mortgages Are Perfect For Major Purchases &amp; It's National Blood Donations Day, Hear How You Can Help At Vitalant!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/554-buyer-confidence-is-up-reverse-mortgages-are-perfect-for-major-purchases-its-national-blood-donations-day-hear-how-you-can-help-at-vitalant/</link>
                    <comments>https://girlsontheair.podbean.com/e/554-buyer-confidence-is-up-reverse-mortgages-are-perfect-for-major-purchases-its-national-blood-donations-day-hear-how-you-can-help-at-vitalant/#comments</comments>        <pubDate>Sat, 14 Jun 2025 13:18:18 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/3fd4ed87-f234-365b-a84f-15a59bd4cf26</guid>
                                    <description><![CDATA[<p>Janet &amp; Karen start-off the podcast with buying &amp; renting opportunities throughout Ventura County... and their first guest, Grant Liechfuss of Berkshire Hathaway HomeServices talks about buying opportunities around the county from Ventura to Simi Valley.  Grant tells us that buyer confidence has returned and real estate remains to be one of the best ways to build wealth, find out when the best time to buy is, it could be right now!  The Reverse Mortgage Queen of North America is next, Shelley Wells tells you how a reverse mortgage can be a great way to purchase something you otherwise could not afford, Shelly has the inside tips.  Karen &amp; Janet's last guest is Susan Noone from Vitalant, The Blood Provider for Ventura County! Today is National Blood Donor Day and Susan tells us how important it is to give blood and the fun gifts you will receive for giving this month!  Appointments are available and it takes less than an hour to donate a pint of blood and literally save a life!  Another incredible and informative podcast from Girls On The Air! </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Janet &amp; Karen start-off the podcast with buying &amp; renting opportunities throughout Ventura County... and their first guest, Grant Liechfuss of Berkshire Hathaway HomeServices talks about buying opportunities around the county from Ventura to Simi Valley.  Grant tells us that buyer confidence has returned and real estate remains to be one of the best ways to build wealth, find out when the best time to buy is, it could be right now!  The Reverse Mortgage Queen of North America is next, Shelley Wells tells you how a reverse mortgage can be a great way to purchase something you otherwise could not afford, Shelly has the inside tips.  Karen &amp; Janet's last guest is Susan Noone from Vitalant, The Blood Provider for Ventura County! Today is National Blood Donor Day and Susan tells us how important it is to give blood and the fun gifts you will receive for giving this month!  Appointments are available and it takes less than an hour to donate a pint of blood and literally save a life!  Another incredible and informative podcast from Girls On The Air! </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/b89cc9sr2sanexdx/GOTA06142025.mp3" length="85854827" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Janet &amp; Karen start-off the podcast with buying &amp; renting opportunities throughout Ventura County... and their first guest, Grant Liechfuss of Berkshire Hathaway HomeServices talks about buying opportunities around the county from Ventura to Simi Valley.  Grant tells us that buyer confidence has returned and real estate remains to be one of the best ways to build wealth, find out when the best time to buy is, it could be right now!  The Reverse Mortgage Queen of North America is next, Shelley Wells tells you how a reverse mortgage can be a great way to purchase something you otherwise could not afford, Shelly has the inside tips.  Karen &amp; Janet's last guest is Susan Noone from Vitalant, The Blood Provider for Ventura County! Today is National Blood Donor Day and Susan tells us how important it is to give blood and the fun gifts you will receive for giving this month!  Appointments are available and it takes less than an hour to donate a pint of blood and literally save a life!  Another incredible and informative podcast from Girls On The Air! ]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3576</itunes:duration>
                <itunes:episode>359</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title># 553 Interest Rates, Home Warranties, Property Restoration Plus Buying &amp; Renting Opportunities From T.O. To Ventura!</title>
        <itunes:title># 553 Interest Rates, Home Warranties, Property Restoration Plus Buying &amp; Renting Opportunities From T.O. To Ventura!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/553-interest-rates-home-warranties-property-restoration-plus-buying-renting-opportunities-from-to-to-ventura/</link>
                    <comments>https://girlsontheair.podbean.com/e/553-interest-rates-home-warranties-property-restoration-plus-buying-renting-opportunities-from-to-to-ventura/#comments</comments>        <pubDate>Sat, 07 Jun 2025 12:47:00 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/3deedd0f-9ceb-38cd-b5ad-bcc43c2f42aa</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet start-off this podcast with rental and buying opportunities in Ventura County from Ventura to Thousand Oaks.  Their first guest is Derek from Smart Home Mortgage.  Derek will take us through the jobs report, activity from The Feds along with expectations on where interest rates will be for home buyers.  Derek also talks about getting appraisals for home owners looking to rent their properties.  Next up it's Tamera Rossi Molina from Choice Home Warranty, Tamera explains that everything from plumbing to heating and AC plus electrical can be covered for under  $700 per year.  Learn about how appliances can be covered too!  To wrap up the show Karen &amp; Janet have a brand new guest, Judy Pittman with 805 Property Restoration, their general contractors are fully licensed, certified in all areas of restoration, mold inspections too.  If you are an owner, renter or landlord hear how 805 Property Restoration will protect you and your family along with your home.  Another awesome podcast with Karen &amp; Janet, Girls On The Air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet start-off this podcast with rental and buying opportunities in Ventura County from Ventura to Thousand Oaks.  Their first guest is Derek from Smart Home Mortgage.  Derek will take us through the jobs report, activity from The Feds along with expectations on where interest rates will be for home buyers.  Derek also talks about getting appraisals for home owners looking to rent their properties.  Next up it's Tamera Rossi Molina from Choice Home Warranty, Tamera explains that everything from plumbing to heating and AC plus electrical can be covered for under  $700 per year.  Learn about how appliances can be covered too!  To wrap up the show Karen &amp; Janet have a brand new guest, Judy Pittman with 805 Property Restoration, their general contractors are fully licensed, certified in all areas of restoration, mold inspections too.  If you are an owner, renter or landlord hear how 805 Property Restoration will protect you and your family along with your home.  Another awesome podcast with Karen &amp; Janet, Girls On The Air!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/buw6argngmgxs85u/GOTA06072025.mp3" length="143619872" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet start-off this podcast with rental and buying opportunities in Ventura County from Ventura to Thousand Oaks.  Their first guest is Derek from Smart Home Mortgage.  Derek will take us through the jobs report, activity from The Feds along with expectations on where interest rates will be for home buyers.  Derek also talks about getting appraisals for home owners looking to rent their properties.  Next up it's Tamera Rossi Molina from Choice Home Warranty, Tamera explains that everything from plumbing to heating and AC plus electrical can be covered for under  $700 per year.  Learn about how appliances can be covered too!  To wrap up the show Karen &amp; Janet have a brand new guest, Judy Pittman with 805 Property Restoration, their general contractors are fully licensed, certified in all areas of restoration, mold inspections too.  If you are an owner, renter or landlord hear how 805 Property Restoration will protect you and your family along with your home.  Another awesome podcast with Karen &amp; Janet, Girls On The Air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3590</itunes:duration>
                <itunes:episode>358</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Joe Parisi Talks Rates, Moves By The Feds &amp; Mortgage Myths, Lisa Morris With Relay For Life Plus Alex Ramirez From Vets &amp; ValorTalking Benefits For Veterans!</title>
        <itunes:title>Joe Parisi Talks Rates, Moves By The Feds &amp; Mortgage Myths, Lisa Morris With Relay For Life Plus Alex Ramirez From Vets &amp; ValorTalking Benefits For Veterans!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/joe-parisi-talks-rates-moves-by-the-feds-mortgage-myths-lisa-morris-with-relay-for-life-plus-alex-ramirez-from-vets-valortalking-benefits-for-veterans/</link>
                    <comments>https://girlsontheair.podbean.com/e/joe-parisi-talks-rates-moves-by-the-feds-mortgage-myths-lisa-morris-with-relay-for-life-plus-alex-ramirez-from-vets-valortalking-benefits-for-veterans/#comments</comments>        <pubDate>Sat, 31 May 2025 12:24:13 -0700</pubDate>
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                                    <description><![CDATA[<p>Karen &amp; Janet have an awesome podcast for you that starts off with a wrap-up on last Tuesday's Ventura City Council Meeting, lots of ground to cover regarding rental properties and the rights that tenants &amp; landlords have.  Their first guest is Joe Parisi with a look at possible moves by The Feds when it comes to mortgage rates, how the jobs report can affect rates and many mortgage myths that are NOT Facts!  Next up Lisa Morris is on the podcast inviting listeners to First Wednesday at The Yard in Ventura, this is a fundraiser for Relay For Life which now includes ten cities in Ventura County, a great event that you should be a part of.  Their last guest is Alex Ramirez who created Vets Valor USA.  Alex invites listeners to their event in Simi Valley on June Fifth, listen in to get the details and find out how many veterans who have served our country don't know about the many benefits they have earned that will help them purchase a home!  Another fantastic podcast with Karen &amp; Janet, Girls On The Air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet have an awesome podcast for you that starts off with a wrap-up on last Tuesday's Ventura City Council Meeting, lots of ground to cover regarding rental properties and the rights that tenants &amp; landlords have.  Their first guest is Joe Parisi with a look at possible moves by The Feds when it comes to mortgage rates, how the jobs report can affect rates and many mortgage myths that are NOT Facts!  Next up Lisa Morris is on the podcast inviting listeners to First Wednesday at The Yard in Ventura, this is a fundraiser for Relay For Life which now includes ten cities in Ventura County, a great event that you should be a part of.  Their last guest is Alex Ramirez who created Vets Valor USA.  Alex invites listeners to their event in Simi Valley on June Fifth, listen in to get the details and find out how many veterans who have served our country don't know about the many benefits they have earned that will help them purchase a home!  Another fantastic podcast with Karen &amp; Janet, Girls On The Air!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/qzb4pd33uuf24jvg/gota05312025.mp3" length="84430465" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet have an awesome podcast for you that starts off with a wrap-up on last Tuesday's Ventura City Council Meeting, lots of ground to cover regarding rental properties and the rights that tenants &amp; landlords have.  Their first guest is Joe Parisi with a look at possible moves by The Feds when it comes to mortgage rates, how the jobs report can affect rates and many mortgage myths that are NOT Facts!  Next up Lisa Morris is on the podcast inviting listeners to First Wednesday at The Yard in Ventura, this is a fundraiser for Relay For Life which now includes ten cities in Ventura County, a great event that you should be a part of.  Their last guest is Alex Ramirez who created Vets Valor USA.  Alex invites listeners to their event in Simi Valley on June Fifth, listen in to get the details and find out how many veterans who have served our country don't know about the many benefits they have earned that will help them purchase a home!  Another fantastic podcast with Karen &amp; Janet, Girls On The Air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3517</itunes:duration>
                <itunes:episode>357</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>#551 Tenant Protection, Reverse Mortgages, &amp; Everything You Need To Know About Insurance Ordinance &amp; Law Plus Shock Loss Claims</title>
        <itunes:title>#551 Tenant Protection, Reverse Mortgages, &amp; Everything You Need To Know About Insurance Ordinance &amp; Law Plus Shock Loss Claims</itunes:title>
        <link>https://girlsontheair.podbean.com/e/551-tenant-protection-reverse-mortgages-everything-you-need-to-know-about-insurance-ordinance-law-plus-shock-loss-claims/</link>
                    <comments>https://girlsontheair.podbean.com/e/551-tenant-protection-reverse-mortgages-everything-you-need-to-know-about-insurance-ordinance-law-plus-shock-loss-claims/#comments</comments>        <pubDate>Sat, 24 May 2025 12:20:33 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/be772572-1029-36fc-b866-7e2e6d359abf</guid>
                                    <description><![CDATA[<p>Episode #551 is full of information on buying &amp; selling opportunities along with rentals in Ventura County. Janet &amp; Karen and their special guest Suzzie Brown from Berkshire Hathaway Home Service Properties urge landlords and tenants attend this Tuesday's Ventura City Council Meeting that will address tenant investment ordinances.  Shelly Wells is next informing us about the advantages of a reverse mortgage, how you can qualify and what the money means to you.  They close out the podcast with an extensive conversation on insurance with Denise from Palladin Professional Insurance Services.  More carriers are opening which is good news, Denise talks about the new fire maps and how they affect homeowners, learn how the map is created.  Ordinance and law, what the top claims are, what a Shock Loss Claim is compared to Water Loss Claims... which are covered and how they affect your rate and coverage.  Everything you need to know on this GOTA Show!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Episode #551 is full of information on buying &amp; selling opportunities along with rentals in Ventura County. Janet &amp; Karen and their special guest Suzzie Brown from Berkshire Hathaway Home Service Properties urge landlords and tenants attend this Tuesday's Ventura City Council Meeting that will address tenant investment ordinances.  Shelly Wells is next informing us about the advantages of a reverse mortgage, how you can qualify and what the money means to you.  They close out the podcast with an extensive conversation on insurance with Denise from Palladin Professional Insurance Services.  More carriers are opening which is good news, Denise talks about the new fire maps and how they affect homeowners, learn how the map is created.  Ordinance and law, what the top claims are, what a Shock Loss Claim is compared to Water Loss Claims... which are covered and how they affect your rate and coverage.  Everything you need to know on this GOTA Show!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/tfxbjmeehvtdpk44/GOTA05242025.mp3" length="85402753" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Episode #551 is full of information on buying &amp; selling opportunities along with rentals in Ventura County. Janet &amp; Karen and their special guest Suzzie Brown from Berkshire Hathaway Home Service Properties urge landlords and tenants attend this Tuesday's Ventura City Council Meeting that will address tenant investment ordinances.  Shelly Wells is next informing us about the advantages of a reverse mortgage, how you can qualify and what the money means to you.  They close out the podcast with an extensive conversation on insurance with Denise from Palladin Professional Insurance Services.  More carriers are opening which is good news, Denise talks about the new fire maps and how they affect homeowners, learn how the map is created.  Ordinance and law, what the top claims are, what a Shock Loss Claim is compared to Water Loss Claims... which are covered and how they affect your rate and coverage.  Everything you need to know on this GOTA Show!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3558</itunes:duration>
                <itunes:episode>356</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title># 550 Rates Loans &amp; Investor Opportunities with Larry Reyes, Sunday's FREE Ultimate Home Expo In Oxnard Plus Justin From Phase 3 Tells You How To Get Those Phones Ringing!</title>
        <itunes:title># 550 Rates Loans &amp; Investor Opportunities with Larry Reyes, Sunday's FREE Ultimate Home Expo In Oxnard Plus Justin From Phase 3 Tells You How To Get Those Phones Ringing!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/550rates-loansinvestor-opportunities-with-larry-reyessundaysfreeultimate-home-expo-in-oxnard-plus-justinfromphase-3-tellsyou-how-togetthosephones-ri/</link>
                    <comments>https://girlsontheair.podbean.com/e/550rates-loansinvestor-opportunities-with-larry-reyessundaysfreeultimate-home-expo-in-oxnard-plus-justinfromphase-3-tellsyou-how-togetthosephones-ri/#comments</comments>        <pubDate>Sat, 17 May 2025 12:40:31 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/7e4347dc-4544-3ba8-9669-553bff649599</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet start Episode 550 with buying &amp; rental opportunities in Ventura County.  Their first guest is Larry Reyes from Smart Home Mortgage talking about rates, investor opportunities, ADU's, along with a variety of loan programs that can get you into your dream home, even if you have credit issues there is a program for you!  Next guests are Alex and Sunday who invite you to their free seminar in Oxnard at The Courtyard Marriott, 500 east Esplanade Drive.  The first 50 people who arrive receive a free Starbucks gift card, they are also giving away 3 big screen TV's!  The seminar includes classes on ADU's, Buying A Home 101, Living Trusts, Credit Repair, Benefits of Solar and more!  Alex and Cindy know the area and this seminar will give you the information for purchasing a home in Ventura County. Justin Soenke wraps up the show with ways to get the phones ringing at your small business.  Justin helps you tell your story, about your customers, your history and expertise and how to use AI to your advantage Justin is the owner of Phase 3 Website Solutions and has helped businesses grow throughout his career.  When it comes to Real Estate and Business no show is more local than Girls On The air with Karen And Janet!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet start Episode 550 with buying &amp; rental opportunities in Ventura County.  Their first guest is Larry Reyes from Smart Home Mortgage talking about rates, investor opportunities, ADU's, along with a variety of loan programs that can get you into your dream home, even if you have credit issues there is a program for you!  Next guests are Alex and Sunday who invite you to their free seminar in Oxnard at The Courtyard Marriott, 500 east Esplanade Drive.  The first 50 people who arrive receive a free Starbucks gift card, they are also giving away 3 big screen TV's!  The seminar includes classes on ADU's, Buying A Home 101, Living Trusts, Credit Repair, Benefits of Solar and more!  Alex and Cindy know the area and this seminar will give you the information for purchasing a home in Ventura County. Justin Soenke wraps up the show with ways to get the phones ringing at your small business.  Justin helps you tell your story, about your customers, your history and expertise and how to use AI to your advantage Justin is the owner of Phase 3 Website Solutions and has helped businesses grow throughout his career.  When it comes to Real Estate and Business no show is more local than Girls On The air with Karen And Janet!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/zq6ihgtiyqachxxr/GOTA05172025.mp3" length="83458661" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet start Episode 550 with buying &amp; rental opportunities in Ventura County.  Their first guest is Larry Reyes from Smart Home Mortgage talking about rates, investor opportunities, ADU's, along with a variety of loan programs that can get you into your dream home, even if you have credit issues there is a program for you!  Next guests are Alex and Sunday who invite you to their free seminar in Oxnard at The Courtyard Marriott, 500 east Esplanade Drive.  The first 50 people who arrive receive a free Starbucks gift card, they are also giving away 3 big screen TV's!  The seminar includes classes on ADU's, Buying A Home 101, Living Trusts, Credit Repair, Benefits of Solar and more!  Alex and Cindy know the area and this seminar will give you the information for purchasing a home in Ventura County. Justin Soenke wraps up the show with ways to get the phones ringing at your small business.  Justin helps you tell your story, about your customers, your history and expertise and how to use AI to your advantage Justin is the owner of Phase 3 Website Solutions and has helped businesses grow throughout his career.  When it comes to Real Estate and Business no show is more local than Girls On The air with Karen And Janet!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3477</itunes:duration>
                <itunes:episode>355</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Buying &amp; Renting Opportunities - Shelly Wells "The Reverse Mortgage Queen" &amp; Christa Hermance "The Estate Planning Mom'!</title>
        <itunes:title>Buying &amp; Renting Opportunities - Shelly Wells "The Reverse Mortgage Queen" &amp; Christa Hermance "The Estate Planning Mom'!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/buying-renting-opportunities-shelly-wells-the-reverse-mortgage-queen-christa-hermance-the-estate-planning-mom/</link>
                    <comments>https://girlsontheair.podbean.com/e/buying-renting-opportunities-shelly-wells-the-reverse-mortgage-queen-christa-hermance-the-estate-planning-mom/#comments</comments>        <pubDate>Sat, 10 May 2025 12:12:06 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/fe94ca53-c76d-3b29-88b0-f7fa908fd1dd</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet start this week's podcast with home buying and rental opportunities in Ventura County. There are many options to choose from.  Their first guest is Shelley Wells, "The Reverse Mortgage Queen" Shelley talks about the many ways a reverse mortgage can help you with everything from buying a home, college costs, paying off bills or vacation plans. There are many advantages to getting a reverse mortgage and Shelly explains those to you.  Next up it's Christa Hermance, " The Estate Planning Mom" Christa talks about wills, probate, trusts, inheritance and how to select a trustee.  This process can be very intimidating, Christa will assist planners and trustees through this complex process with zero stress.  Another fun and informative podcast with Karen &amp; Janet!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet start this week's podcast with home buying and rental opportunities in Ventura County. There are many options to choose from.  Their first guest is Shelley Wells, "The Reverse Mortgage Queen" Shelley talks about the many ways a reverse mortgage can help you with everything from buying a home, college costs, paying off bills or vacation plans. There are many advantages to getting a reverse mortgage and Shelly explains those to you.  Next up it's Christa Hermance, " The Estate Planning Mom" Christa talks about wills, probate, trusts, inheritance and how to select a trustee.  This process can be very intimidating, Christa will assist planners and trustees through this complex process with zero stress.  Another fun and informative podcast with Karen &amp; Janet!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/x54hm5fidx2k8k72/GOTA05102025.mp3" length="84136129" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet start this week's podcast with home buying and rental opportunities in Ventura County. There are many options to choose from.  Their first guest is Shelley Wells, "The Reverse Mortgage Queen" Shelley talks about the many ways a reverse mortgage can help you with everything from buying a home, college costs, paying off bills or vacation plans. There are many advantages to getting a reverse mortgage and Shelly explains those to you.  Next up it's Christa Hermance, " The Estate Planning Mom" Christa talks about wills, probate, trusts, inheritance and how to select a trustee.  This process can be very intimidating, Christa will assist planners and trustees through this complex process with zero stress.  Another fun and informative podcast with Karen &amp; Janet!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3505</itunes:duration>
                <itunes:episode>354</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>A Trip To Sacramento, Reel Guppies Fishing, Joe Parisi With Rates &amp; Economic News Plus 805 Community For Children</title>
        <itunes:title>A Trip To Sacramento, Reel Guppies Fishing, Joe Parisi With Rates &amp; Economic News Plus 805 Community For Children</itunes:title>
        <link>https://girlsontheair.podbean.com/e/a-trip-to-sacramento-reel-guppies-fishing-joe-parisi-with-rates-economic-news-plus-805-community-for-children/</link>
                    <comments>https://girlsontheair.podbean.com/e/a-trip-to-sacramento-reel-guppies-fishing-joe-parisi-with-rates-economic-news-plus-805-community-for-children/#comments</comments>        <pubDate>Sat, 03 May 2025 12:44:19 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/6c48d291-2d52-39b4-b2d5-9d55c519d4a3</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet start off this week's podcast with information they received during their trip to Sacramento, essential news for buyers, renters and landlords!  Their first guest is Kevin Brannon with Reel Guppies, a program for kids and families that teaches them how to "Catch A Memory"... Reel Guppies takes kids and families on fishing adventures from the shore to piers, boats and out to the islands too!  The program helps kids build confidence, educates us about local fishing environments and gets kids away from their screens and into nature, right here in Ventura County! Joe Parisi is up next with a busy week of economic reports that affect interest rates... Joe points out that while many people suggest renting over buying, home ownership is always the goal for security and building wealth!  Karen and Janet's last guest is  Marcie Yountz from 805 Community Children. Marcie invites everyone to First Wednesday, this Wednesday at Medici Pizza on Main Street in Ventura.  This fundraiser helps fund programs that give local kids a chance to have a fun birthday party, go to the prom and dances along with all the other activities every kid should have the chance to enjoy!  Girls on the air, here to support the community and help non-profits get the word out!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet start off this week's podcast with information they received during their trip to Sacramento, essential news for buyers, renters and landlords!  Their first guest is Kevin Brannon with Reel Guppies, a program for kids and families that teaches them how to "Catch A Memory"... Reel Guppies takes kids and families on fishing adventures from the shore to piers, boats and out to the islands too!  The program helps kids build confidence, educates us about local fishing environments and gets kids away from their screens and into nature, right here in Ventura County! Joe Parisi is up next with a busy week of economic reports that affect interest rates... Joe points out that while many people suggest renting over buying, home ownership is always the goal for security and building wealth!  Karen and Janet's last guest is  Marcie Yountz from 805 Community Children. Marcie invites everyone to First Wednesday, this Wednesday at Medici Pizza on Main Street in Ventura.  This fundraiser helps fund programs that give local kids a chance to have a fun birthday party, go to the prom and dances along with all the other activities every kid should have the chance to enjoy!  Girls on the air, here to support the community and help non-profits get the word out!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/hq9jawi6nb5u98e4/GOTA05032025.mp3" length="81674795" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet start off this week's podcast with information they received during their trip to Sacramento, essential news for buyers, renters and landlords!  Their first guest is Kevin Brannon with Reel Guppies, a program for kids and families that teaches them how to "Catch A Memory"... Reel Guppies takes kids and families on fishing adventures from the shore to piers, boats and out to the islands too!  The program helps kids build confidence, educates us about local fishing environments and gets kids away from their screens and into nature, right here in Ventura County! Joe Parisi is up next with a busy week of economic reports that affect interest rates... Joe points out that while many people suggest renting over buying, home ownership is always the goal for security and building wealth!  Karen and Janet's last guest is  Marcie Yountz from 805 Community Children. Marcie invites everyone to First Wednesday, this Wednesday at Medici Pizza on Main Street in Ventura.  This fundraiser helps fund programs that give local kids a chance to have a fun birthday party, go to the prom and dances along with all the other activities every kid should have the chance to enjoy!  Girls on the air, here to support the community and help non-profits get the word out!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3402</itunes:duration>
                <itunes:episode>353</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Fair Housing Podcast With Special Guest Cindy Diaz Tully!</title>
        <itunes:title>Fair Housing Podcast With Special Guest Cindy Diaz Tully!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/fair-housing-podcast-with-special-guest-cindy-diaz-tully/</link>
                    <comments>https://girlsontheair.podbean.com/e/fair-housing-podcast-with-special-guest-cindy-diaz-tully/#comments</comments>        <pubDate>Sat, 26 Apr 2025 11:14:16 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/34028fea-319d-377e-96ae-fb0657706f64</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet focus on Fair Housing with their expert guest Cindy Diaz Tully.  Essential topics included in this Fair Housing conversation are: Rules &amp; Laws for discrimination issues, Section 8 rules and the fact that it does not matter where a potential renters income is derived, you will learn about "steering people and redlining" DEI information and how it can be triggered along with ADA &amp; handicap rules plus unintentional bias.  A must listen for renters and property owners from Karen &amp; Janet.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet focus on Fair Housing with their expert guest Cindy Diaz Tully.  Essential topics included in this Fair Housing conversation are: Rules &amp; Laws for discrimination issues, Section 8 rules and the fact that it does not matter where a potential renters income is derived, you will learn about "steering people and redlining" DEI information and how it can be triggered along with ADA &amp; handicap rules plus unintentional bias.  A must listen for renters and property owners from Karen &amp; Janet.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/iggz4vdhg5p35q96/GOTA04262025Recordedshow.mp3" length="81482201" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet focus on Fair Housing with their expert guest Cindy Diaz Tully.  Essential topics included in this Fair Housing conversation are: Rules &amp; Laws for discrimination issues, Section 8 rules and the fact that it does not matter where a potential renters income is derived, you will learn about "steering people and redlining" DEI information and how it can be triggered along with ADA &amp; handicap rules plus unintentional bias.  A must listen for renters and property owners from Karen &amp; Janet.]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3394</itunes:duration>
                <itunes:episode>352</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Property Value In Ventura Is On The Rise - Power Wash Your Home With Rolling Suds Plus Easter Dinner At The Greek!</title>
        <itunes:title>Property Value In Ventura Is On The Rise - Power Wash Your Home With Rolling Suds Plus Easter Dinner At The Greek!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/property-value-in-ventura-is-on-the-rise-power-wash-your-home-with-rolling-suds-plus-easter-dinner-at-the-greek/</link>
                    <comments>https://girlsontheair.podbean.com/e/property-value-in-ventura-is-on-the-rise-power-wash-your-home-with-rolling-suds-plus-easter-dinner-at-the-greek/#comments</comments>        <pubDate>Sat, 19 Apr 2025 13:49:35 -0700</pubDate>
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                                    <description><![CDATA[<p>This Easter Week Podcast with Karen &amp; Janet Starts off with Derek Contreras from Smart Home Mortgage.  Derek points out that this is a great time to buy with property values increasing year-to-year in Ventura County, rates are in the 6% range, refi when they move down and take advantage of the increase value of your property.  Derek answers all of your questions.  Next up Jeff Harley of Rolling Suds, they power wash roofs, houses, patios and driveways to make your home look beautiful and get rid of mold while they're at it.  Any sized home or business, listen in to get the facts from Jeff!  The Ventura Harbor is Hoppin' for Easter and The Greek is the place to go with your celebration for lunch or Easter dinner.  Lynn from The Greek has all the info on Ventura Harbor fun for the whole family!  Another awesome podcast from Karen &amp; Janet!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This Easter Week Podcast with Karen &amp; Janet Starts off with Derek Contreras from Smart Home Mortgage.  Derek points out that this is a great time to buy with property values increasing year-to-year in Ventura County, rates are in the 6% range, refi when they move down and take advantage of the increase value of your property.  Derek answers all of your questions.  Next up Jeff Harley of Rolling Suds, they power wash roofs, houses, patios and driveways to make your home look beautiful and get rid of mold while they're at it.  Any sized home or business, listen in to get the facts from Jeff!  The Ventura Harbor is Hoppin' for Easter and The Greek is the place to go with your celebration for lunch or Easter dinner.  Lynn from The Greek has all the info on Ventura Harbor fun for the whole family!  Another awesome podcast from Karen &amp; Janet!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ftjjnu43v8bnm7ar/GOTA04192025.mp3" length="88110517" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This Easter Week Podcast with Karen &amp; Janet Starts off with Derek Contreras from Smart Home Mortgage.  Derek points out that this is a great time to buy with property values increasing year-to-year in Ventura County, rates are in the 6% range, refi when they move down and take advantage of the increase value of your property.  Derek answers all of your questions.  Next up Jeff Harley of Rolling Suds, they power wash roofs, houses, patios and driveways to make your home look beautiful and get rid of mold while they're at it.  Any sized home or business, listen in to get the facts from Jeff!  The Ventura Harbor is Hoppin' for Easter and The Greek is the place to go with your celebration for lunch or Easter dinner.  Lynn from The Greek has all the info on Ventura Harbor fun for the whole family!  Another awesome podcast from Karen &amp; Janet!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3670</itunes:duration>
                <itunes:episode>351</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>The History of The Reverse Mortgage - The Classic Gamble House in Ventura - The West Coast Outdoors &amp; Fishing Expo!</title>
        <itunes:title>The History of The Reverse Mortgage - The Classic Gamble House in Ventura - The West Coast Outdoors &amp; Fishing Expo!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/the-history-of-the-reverse-mortgage-the-classic-gamble-house-in-ventura-the-west-coast-outdoors-fishing-expo/</link>
                    <comments>https://girlsontheair.podbean.com/e/the-history-of-the-reverse-mortgage-the-classic-gamble-house-in-ventura-the-west-coast-outdoors-fishing-expo/#comments</comments>        <pubDate>Sat, 12 Apr 2025 12:25:31 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/42d78ca4-deb5-374a-9639-5b043e24bf31</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet's latest podcast starts off with The History of Reverse Mortgages with The Reverse Mortgage Queen herself Shelly Wells!  Shelly begins with the first reverse mortgage in 1979 and tracks the way the program has grown &amp; become the incredible benefit for homeowners that it is today. A product that lasts a lifetime and helps owners with vacation cash, home improvements, paying off debt and more.  Next up Toni Guy, a realtor with Berkshire Hathaway, gives us a history of The Gamble House, a historical Green Home in Ventura that is available for purchase and she can give you an in-person tour! Listen in for the details of this unique home, there is just one in Ventura!  Plus the benefits of buying a historic landmark like The Gamble House. GOTA ends the show with Adam Casillas inviting listeners to The West Coast Outdoors &amp; Sports Fishing Expo.  Last year's was a huge success and there are more Vendors for this year's show... RV's, boats, fishing &amp; camping gear, demos and more.  Over 160 Vendors.  The show is happening May 2nd, 3rd, &amp; 4th.  Another awesome podcast from Karen &amp; Janet!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet's latest podcast starts off with The History of Reverse Mortgages with The Reverse Mortgage Queen herself Shelly Wells!  Shelly begins with the first reverse mortgage in 1979 and tracks the way the program has grown &amp; become the incredible benefit for homeowners that it is today. A product that lasts a lifetime and helps owners with vacation cash, home improvements, paying off debt and more.  Next up Toni Guy, a realtor with Berkshire Hathaway, gives us a history of The Gamble House, a historical Green Home in Ventura that is available for purchase and she can give you an in-person tour! Listen in for the details of this unique home, there is just one in Ventura!  Plus the benefits of buying a historic landmark like The Gamble House. GOTA ends the show with Adam Casillas inviting listeners to The West Coast Outdoors &amp; Sports Fishing Expo.  Last year's was a huge success and there are more Vendors for this year's show... RV's, boats, fishing &amp; camping gear, demos and more.  Over 160 Vendors.  The show is happening May 2nd, 3rd, &amp; 4th.  Another awesome podcast from Karen &amp; Janet!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/6784a79zzq5uf64g/GOTA04122025.mp3" length="86424444" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet's latest podcast starts off with The History of Reverse Mortgages with The Reverse Mortgage Queen herself Shelly Wells!  Shelly begins with the first reverse mortgage in 1979 and tracks the way the program has grown &amp; become the incredible benefit for homeowners that it is today. A product that lasts a lifetime and helps owners with vacation cash, home improvements, paying off debt and more.  Next up Toni Guy, a realtor with Berkshire Hathaway, gives us a history of The Gamble House, a historical Green Home in Ventura that is available for purchase and she can give you an in-person tour! Listen in for the details of this unique home, there is just one in Ventura!  Plus the benefits of buying a historic landmark like The Gamble House. GOTA ends the show with Adam Casillas inviting listeners to The West Coast Outdoors &amp; Sports Fishing Expo.  Last year's was a huge success and there are more Vendors for this year's show... RV's, boats, fishing &amp; camping gear, demos and more.  Over 160 Vendors.  The show is happening May 2nd, 3rd, &amp; 4th.  Another awesome podcast from Karen &amp; Janet!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3600</itunes:duration>
                <itunes:episode>350</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Today's Podcast Is All About Insurance. Plus Lowering Rates &amp; Opportunities For Buyers, Sellers &amp; Renters!</title>
        <itunes:title>Today's Podcast Is All About Insurance. Plus Lowering Rates &amp; Opportunities For Buyers, Sellers &amp; Renters!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/todays-podcast-is-all-about-insurance-plus-lowering-rates-opportunities-for-buyers-sellers-renters/</link>
                    <comments>https://girlsontheair.podbean.com/e/todays-podcast-is-all-about-insurance-plus-lowering-rates-opportunities-for-buyers-sellers-renters/#comments</comments>        <pubDate>Sat, 05 Apr 2025 15:23:09 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/de67799c-72ea-318f-a7b5-d24417888630</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet start this podcast with news for renters along with homeowners who have an excellent opportunity to sell their homes to people who are making all cash offers in Ventura.  Larry Reyes is the first guest, Larry has good news on rates as they went down a bit due to the tariffs.  Rates in the low sixes and even high fives are possible!  Larry tells us how equity can be used for investment properties, he also has the latest on new buyer programs.  Denise Pomboonreung of Paladin Professional Insurance closes out this GOTA podcast with important info on homeowners insurance.  Denise is an insurance broker who works with 50 insurance companies.  She creates a personalized package for each of her clients to find them the best rates.  Paladin will focus on high risk properties to help clients navigate through this complex industry.  Her years of experience have earned her respect in the industry, Denise knows the red flags, what to do if there is an inspection of the property and more, great conversation, a must listen for every homeowner. Lot's of valuable information in this podcast!  Janet &amp; Karen thank you for listening!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet start this podcast with news for renters along with homeowners who have an excellent opportunity to sell their homes to people who are making all cash offers in Ventura.  Larry Reyes is the first guest, Larry has good news on rates as they went down a bit due to the tariffs.  Rates in the low sixes and even high fives are possible!  Larry tells us how equity can be used for investment properties, he also has the latest on new buyer programs.  Denise Pomboonreung of Paladin Professional Insurance closes out this GOTA podcast with important info on homeowners insurance.  Denise is an insurance broker who works with 50 insurance companies.  She creates a personalized package for each of her clients to find them the best rates.  Paladin will focus on high risk properties to help clients navigate through this complex industry.  Her years of experience have earned her respect in the industry, Denise knows the red flags, what to do if there is an inspection of the property and more, great conversation, a must listen for every homeowner. Lot's of valuable information in this podcast!  Janet &amp; Karen thank you for listening!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/zr23s68377r5q6jy/GOTA04052025.mp3" length="80595457" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet start this podcast with news for renters along with homeowners who have an excellent opportunity to sell their homes to people who are making all cash offers in Ventura.  Larry Reyes is the first guest, Larry has good news on rates as they went down a bit due to the tariffs.  Rates in the low sixes and even high fives are possible!  Larry tells us how equity can be used for investment properties, he also has the latest on new buyer programs.  Denise Pomboonreung of Paladin Professional Insurance closes out this GOTA podcast with important info on homeowners insurance.  Denise is an insurance broker who works with 50 insurance companies.  She creates a personalized package for each of her clients to find them the best rates.  Paladin will focus on high risk properties to help clients navigate through this complex industry.  Her years of experience have earned her respect in the industry, Denise knows the red flags, what to do if there is an inspection of the property and more, great conversation, a must listen for every homeowner. Lot's of valuable information in this podcast!  Janet &amp; Karen thank you for listening!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3357</itunes:duration>
                <itunes:episode>349</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>The Importance Of A Property Survey, Reverse Mortgage Questions Answered Plus Bike For A Cause!</title>
        <itunes:title>The Importance Of A Property Survey, Reverse Mortgage Questions Answered Plus Bike For A Cause!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/the-importance-of-a-property-survey-reverse-mortgage-questions-answered-plus-bike-for-a-cause/</link>
                    <comments>https://girlsontheair.podbean.com/e/the-importance-of-a-property-survey-reverse-mortgage-questions-answered-plus-bike-for-a-cause/#comments</comments>        <pubDate>Sat, 29 Mar 2025 12:35:42 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/bb657ee3-dd4b-3602-b557-d81ca6080a4e</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet start-off this podcast with what's going on in the county from tenant protection rights along with rental and buying opportunities. Their first guest is the Reverse Mortgage Queen Shelly Wells.  Shelly tells us the facts about Reverse Mortgages and how many myths persist, Shelly has the facts and advantages a Reverse Mortgage offers home owners, they can help people stay in their homes longer and improve the quality of life in their senior years.  Next up we talk cycling with Carlos, he offers bike riding clinics, free cycling safety clinics and more for kids in Ventura.  Encouraging people to pedal for exercise and recreation.  Last up we are close to The First Wednesday in April, Bob Davis is in studio to invite listeners to The Manhattan in Camarillo, this first Wednesday supports Growing Works in Camarillo.  Another awesome podcast with Girls On The Air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet start-off this podcast with what's going on in the county from tenant protection rights along with rental and buying opportunities. Their first guest is the Reverse Mortgage Queen Shelly Wells.  Shelly tells us the facts about Reverse Mortgages and how many myths persist, Shelly has the facts and advantages a Reverse Mortgage offers home owners, they can help people stay in their homes longer and improve the quality of life in their senior years.  Next up we talk cycling with Carlos, he offers bike riding clinics, free cycling safety clinics and more for kids in Ventura.  Encouraging people to pedal for exercise and recreation.  Last up we are close to The First Wednesday in April, Bob Davis is in studio to invite listeners to The Manhattan in Camarillo, this first Wednesday supports Growing Works in Camarillo.  Another awesome podcast with Girls On The Air!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/b9qmcuqwq3xdiept/GOTA03292025.mp3" length="80928385" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet start-off this podcast with what's going on in the county from tenant protection rights along with rental and buying opportunities. Their first guest is the Reverse Mortgage Queen Shelly Wells.  Shelly tells us the facts about Reverse Mortgages and how many myths persist, Shelly has the facts and advantages a Reverse Mortgage offers home owners, they can help people stay in their homes longer and improve the quality of life in their senior years.  Next up we talk cycling with Carlos, he offers bike riding clinics, free cycling safety clinics and more for kids in Ventura.  Encouraging people to pedal for exercise and recreation.  Last up we are close to The First Wednesday in April, Bob Davis is in studio to invite listeners to The Manhattan in Camarillo, this first Wednesday supports Growing Works in Camarillo.  Another awesome podcast with Girls On The Air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3371</itunes:duration>
                <itunes:episode>348</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Rates Are Holding, FICO Scores Explained, Plus Devices To Keep Your Living Space Safe &amp; Healthy!</title>
        <itunes:title>Rates Are Holding, FICO Scores Explained, Plus Devices To Keep Your Living Space Safe &amp; Healthy!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/rates-are-holding-fico-scores-explained-plus-devices-to-keep-your-living-space-safe-healthy/</link>
                    <comments>https://girlsontheair.podbean.com/e/rates-are-holding-fico-scores-explained-plus-devices-to-keep-your-living-space-safe-healthy/#comments</comments>        <pubDate>Sat, 22 Mar 2025 12:31:43 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/d26adde9-8ac5-364c-bf5a-b2bfed2affe2</guid>
                                    <description><![CDATA[<p>This podcast is filled with information from experts that will make buying, financing and managing expenses along with keeping your home and rental spaces safe and healthy.  Karen &amp; Janet start off with buying and rental opportunities in Ventura County, Joe Parisi  from rate Mortgage is their first guest with good news on rates plus essential information on how to manage your FICO score, Joe has the info you need.  To close out the podcast Greg Powell of Emerson Building Energy Services introduces us to a variety of devices that provide you with security cameras, mold detectors, leak detectors, CO detectors and more.  Listen in and find how you can make these cost-effective devices in your home!  Another awesome podcast from Girls On The Air! </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This podcast is filled with information from experts that will make buying, financing and managing expenses along with keeping your home and rental spaces safe and healthy.  Karen &amp; Janet start off with buying and rental opportunities in Ventura County, Joe Parisi  from rate Mortgage is their first guest with good news on rates plus essential information on how to manage your FICO score, Joe has the info you need.  To close out the podcast Greg Powell of Emerson Building Energy Services introduces us to a variety of devices that provide you with security cameras, mold detectors, leak detectors, CO detectors and more.  Listen in and find how you can make these cost-effective devices in your home!  Another awesome podcast from Girls On The Air! </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/9dqrr2xkpgdgzgxs/GOTA03222025.mp3" length="80736577" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This podcast is filled with information from experts that will make buying, financing and managing expenses along with keeping your home and rental spaces safe and healthy.  Karen &amp; Janet start off with buying and rental opportunities in Ventura County, Joe Parisi  from rate Mortgage is their first guest with good news on rates plus essential information on how to manage your FICO score, Joe has the info you need.  To close out the podcast Greg Powell of Emerson Building Energy Services introduces us to a variety of devices that provide you with security cameras, mold detectors, leak detectors, CO detectors and more.  Listen in and find how you can make these cost-effective devices in your home!  Another awesome podcast from Girls On The Air! ]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3363</itunes:duration>
                <itunes:episode>347</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>How A Reverse Mortgage Works For You! The Stretch Lab Gets You In Shape  Plus Home Choice Warranties!</title>
        <itunes:title>How A Reverse Mortgage Works For You! The Stretch Lab Gets You In Shape  Plus Home Choice Warranties!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/how-a-reverse-mortgage-works-for-you-the-stretch-lab-gets-you-in-shape-plus-home-choice-warranties/</link>
                    <comments>https://girlsontheair.podbean.com/e/how-a-reverse-mortgage-works-for-you-the-stretch-lab-gets-you-in-shape-plus-home-choice-warranties/#comments</comments>        <pubDate>Sat, 15 Mar 2025 12:22:19 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/784dbd4d-41d7-30a1-8a22-3fbf75795275</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet start off this podcast with buying and rental opportunities that are on the market right now in Ventura County.  Their first guest is The Reverse Mortgage Queen, Shelly Wells.  Learn what a reverse mortgage will do for you with the expert... money for retirement vacations and home care policies, cash to build an ADU, home improvements too.  Next up is Lauren Glick owner of The Stretch Lab in Camarillo and Ventura.  Lauren tells her story about discovering Stretch Lab after she retired from Fire Fighting, these techniques started to help victims of MS and Polio and are now used for everyday health and wellness, located in Camarillo &amp; Ventura.  Tamara Rossie Molina wraps up the podcast to chat about warranties on everything in your home from AC &amp; Heating to washers, dryers, the fridge and more.  Appliances do not last like they used to and a home warranty will save you money and avoid the stress of finding a tech or buying new appliances, Shelly has worked with warranties for 38 years!  Another informative podcast from Girls On The Air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet start off this podcast with buying and rental opportunities that are on the market right now in Ventura County.  Their first guest is The Reverse Mortgage Queen, Shelly Wells.  Learn what a reverse mortgage will do for you with the expert... money for retirement vacations and home care policies, cash to build an ADU, home improvements too.  Next up is Lauren Glick owner of The Stretch Lab in Camarillo and Ventura.  Lauren tells her story about discovering Stretch Lab after she retired from Fire Fighting, these techniques started to help victims of MS and Polio and are now used for everyday health and wellness, located in Camarillo &amp; Ventura.  Tamara Rossie Molina wraps up the podcast to chat about warranties on everything in your home from AC &amp; Heating to washers, dryers, the fridge and more.  Appliances do not last like they used to and a home warranty will save you money and avoid the stress of finding a tech or buying new appliances, Shelly has worked with warranties for 38 years!  Another informative podcast from Girls On The Air!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/8649w7n75cnzvbb2/GOTA03152025.mp3" length="80524609" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet start off this podcast with buying and rental opportunities that are on the market right now in Ventura County.  Their first guest is The Reverse Mortgage Queen, Shelly Wells.  Learn what a reverse mortgage will do for you with the expert... money for retirement vacations and home care policies, cash to build an ADU, home improvements too.  Next up is Lauren Glick owner of The Stretch Lab in Camarillo and Ventura.  Lauren tells her story about discovering Stretch Lab after she retired from Fire Fighting, these techniques started to help victims of MS and Polio and are now used for everyday health and wellness, located in Camarillo &amp; Ventura.  Tamara Rossie Molina wraps up the podcast to chat about warranties on everything in your home from AC &amp; Heating to washers, dryers, the fridge and more.  Appliances do not last like they used to and a home warranty will save you money and avoid the stress of finding a tech or buying new appliances, Shelly has worked with warranties for 38 years!  Another informative podcast from Girls On The Air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3354</itunes:duration>
                <itunes:episode>346</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Great News On Mortgage Rates, The Ventura Music Festival Is Back &amp; Roof Max Who Brings Your Roof Back To Life!</title>
        <itunes:title>Great News On Mortgage Rates, The Ventura Music Festival Is Back &amp; Roof Max Who Brings Your Roof Back To Life!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/great-news-on-mortgage-rates-the-ventura-music-festival-is-back-roof-max-who-brings-your-roof-back-to-life/</link>
                    <comments>https://girlsontheair.podbean.com/e/great-news-on-mortgage-rates-the-ventura-music-festival-is-back-roof-max-who-brings-your-roof-back-to-life/#comments</comments>        <pubDate>Sat, 08 Mar 2025 13:09:58 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/7fa56cc2-453c-3a02-9a50-984b482d4783</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet are back with an incredible podcast where they chat about rates, music &amp; the roof over your head.  Their first guest is Derek Contreras with Smart Home Mortgage.  Derek breaks down the latest news that impacts mortgage rates... the good and the bad, highlighting the best news that rates are currently down!  Derek knows every option available to get you the best home loan rate.  Next up, it's time for music with Lale Welsh CEO of The Ventura Music Festival.  Lale talks about the 30 year celebration of music in Ventura and how the program will serve every musical taste from The Beatles to classical &amp; jazz, this festival has something for everyone.  Janet &amp; Karen wrap up the podcast with Mark Monro of Roof Max who introduces us to a product that can extend the life of many roofs in Ventura &amp; Santa Barbara Counties at a fraction of the cost of a new roof.  Find out how you can get Matt to look at your roof in this informative interview.  Another fantastic podcast with Karen &amp; Janet, Girls On The Air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet are back with an incredible podcast where they chat about rates, music &amp; the roof over your head.  Their first guest is Derek Contreras with Smart Home Mortgage.  Derek breaks down the latest news that impacts mortgage rates... the good and the bad, highlighting the best news that rates are currently down!  Derek knows every option available to get you the best home loan rate.  Next up, it's time for music with Lale Welsh CEO of The Ventura Music Festival.  Lale talks about the 30 year celebration of music in Ventura and how the program will serve every musical taste from The Beatles to classical &amp; jazz, this festival has something for everyone.  Janet &amp; Karen wrap up the podcast with Mark Monro of Roof Max who introduces us to a product that can extend the life of many roofs in Ventura &amp; Santa Barbara Counties at a fraction of the cost of a new roof.  Find out how you can get Matt to look at your roof in this informative interview.  Another fantastic podcast with Karen &amp; Janet, Girls On The Air!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/a6vbkyhr5n6vvtyc/GOTA03082025POD.mp3" length="79713025" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet are back with an incredible podcast where they chat about rates, music &amp; the roof over your head.  Their first guest is Derek Contreras with Smart Home Mortgage.  Derek breaks down the latest news that impacts mortgage rates... the good and the bad, highlighting the best news that rates are currently down!  Derek knows every option available to get you the best home loan rate.  Next up, it's time for music with Lale Welsh CEO of The Ventura Music Festival.  Lale talks about the 30 year celebration of music in Ventura and how the program will serve every musical taste from The Beatles to classical &amp; jazz, this festival has something for everyone.  Janet &amp; Karen wrap up the podcast with Mark Monro of Roof Max who introduces us to a product that can extend the life of many roofs in Ventura &amp; Santa Barbara Counties at a fraction of the cost of a new roof.  Find out how you can get Matt to look at your roof in this informative interview.  Another fantastic podcast with Karen &amp; Janet, Girls On The Air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3321</itunes:duration>
                <itunes:episode>345</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>Mortgage Rates Below 7%! Party At The Shores, First Wednesday To Benefit The Autism Society &amp; CalHFA Loans Too!</title>
        <itunes:title>Mortgage Rates Below 7%! Party At The Shores, First Wednesday To Benefit The Autism Society &amp; CalHFA Loans Too!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/mortgage-rates-below-7-party-at-the-shores-first-wednesday-to-benefit-the-autism-society-calhfa-loans-too/</link>
                    <comments>https://girlsontheair.podbean.com/e/mortgage-rates-below-7-party-at-the-shores-first-wednesday-to-benefit-the-autism-society-calhfa-loans-too/#comments</comments>        <pubDate>Sat, 01 Mar 2025 14:47:39 -0800</pubDate>
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                                    <description><![CDATA[<p>Karen, along with her special guest host Jackie, start off the podcast with Joe Parisi of RATE Mortgage.  Joe tells us that rates are under 7 and as low as 5.99% on FHA loans, there is also great news regarding Cal HFA loans with Joe Parisi!  Bill Kracht is up next, Bill is the owner of The Shores Restaurant in Oxnard where you find great food and a fabulous bar that serves cocktails &amp; mocktails... listen in to find out what is happening St Patrick's Day weekend!  Ryan Gamble is next, he's the owner of Gamble Gates. Ryan has created beautiful gates throughout Ventura &amp; Santa Barbara Counties, he takes pride in creating unique gates that match your style and personality. From homes to estates, industrial too, Ryan will tell you how you can take a look at his craftsmanship online.  Karen &amp; Jackie wrap up the podcast with Bob Davis who invites everyone to First Wednesday at The Water's Edge to help raise funds for The Autism Society and have fun doing it1. Another awesome podcast from Girls On The Air! </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen, along with her special guest host Jackie, start off the podcast with Joe Parisi of RATE Mortgage.  Joe tells us that rates are under 7 and as low as 5.99% on FHA loans, there is also great news regarding Cal HFA loans with Joe Parisi!  Bill Kracht is up next, Bill is the owner of The Shores Restaurant in Oxnard where you find great food and a fabulous bar that serves cocktails &amp; mocktails... listen in to find out what is happening St Patrick's Day weekend!  Ryan Gamble is next, he's the owner of Gamble Gates. Ryan has created beautiful gates throughout Ventura &amp; Santa Barbara Counties, he takes pride in creating unique gates that match your style and personality. From homes to estates, industrial too, Ryan will tell you how you can take a look at his craftsmanship online.  Karen &amp; Jackie wrap up the podcast with Bob Davis who invites everyone to First Wednesday at The Water's Edge to help raise funds for The Autism Society and have fun doing it1. Another awesome podcast from Girls On The Air! </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/25iagwibqnxusvbn/GOTA030125.mp3" length="80983105" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen, along with her special guest host Jackie, start off the podcast with Joe Parisi of RATE Mortgage.  Joe tells us that rates are under 7 and as low as 5.99% on FHA loans, there is also great news regarding Cal HFA loans with Joe Parisi!  Bill Kracht is up next, Bill is the owner of The Shores Restaurant in Oxnard where you find great food and a fabulous bar that serves cocktails &amp; mocktails... listen in to find out what is happening St Patrick's Day weekend!  Ryan Gamble is next, he's the owner of Gamble Gates. Ryan has created beautiful gates throughout Ventura &amp; Santa Barbara Counties, he takes pride in creating unique gates that match your style and personality. From homes to estates, industrial too, Ryan will tell you how you can take a look at his craftsmanship online.  Karen &amp; Jackie wrap up the podcast with Bob Davis who invites everyone to First Wednesday at The Water's Edge to help raise funds for The Autism Society and have fun doing it1. Another awesome podcast from Girls On The Air! ]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3374</itunes:duration>
                <itunes:episode>344</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>The Power Of A Reverse Mortgage, Plumbing From Sinks To Sewers &amp; How To Make Your Webpage Work For You!</title>
        <itunes:title>The Power Of A Reverse Mortgage, Plumbing From Sinks To Sewers &amp; How To Make Your Webpage Work For You!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/the-power-of-a-reverse-mortgage-plumbing-from-sinks-to-sewers-how-to-make-your-webpage-work-for-you/</link>
                    <comments>https://girlsontheair.podbean.com/e/the-power-of-a-reverse-mortgage-plumbing-from-sinks-to-sewers-how-to-make-your-webpage-work-for-you/#comments</comments>        <pubDate>Sat, 22 Feb 2025 13:07:03 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/9fe66ae1-8d50-33cf-8563-f81af3ca64ae</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet kick off this podcast with Shelley Wells, The Reverse Mortgage Queen who invites everyone listening to this podcast to The Reverse Mortgage Seminar at The Sandwich Factory in Ventura on March 25th where you will find out about the power of a reverse mortgage and how it improves your quality of life.  Shelly has made The Reverse Mortgage her focus for 23 years, learn from the best! Next up, Ben Kohn, owner of From Sinks To Sewers, Ben talks about overhead and how it affects the cost for you, Ben is The owner-operator and technician who completes inspections and line cleaning for your home. Ben is the best in the business at an unbeatable price!  Karen &amp; Janet finish this podcast with Justin Soenke of Phase 3 Website Solutions.  The reason you have a website is to get that phone ringing and increase business.  Justin knows the key questions that will get customer's attention and bring business to you! Another awesome podcast from Girls On The Air, Karen &amp; Janet!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet kick off this podcast with Shelley Wells, The Reverse Mortgage Queen who invites everyone listening to this podcast to The Reverse Mortgage Seminar at The Sandwich Factory in Ventura on March 25th where you will find out about the power of a reverse mortgage and how it improves your quality of life.  Shelly has made The Reverse Mortgage her focus for 23 years, learn from the best! Next up, Ben Kohn, owner of From Sinks To Sewers, Ben talks about overhead and how it affects the cost for you, Ben is The owner-operator and technician who completes inspections and line cleaning for your home. Ben is the best in the business at an unbeatable price!  Karen &amp; Janet finish this podcast with Justin Soenke of Phase 3 Website Solutions.  The reason you have a website is to get that phone ringing and increase business.  Justin knows the key questions that will get customer's attention and bring business to you! Another awesome podcast from Girls On The Air, Karen &amp; Janet!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/qnjh9i7fyiw7tccp/GOTA02222025.mp3" length="80680619" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet kick off this podcast with Shelley Wells, The Reverse Mortgage Queen who invites everyone listening to this podcast to The Reverse Mortgage Seminar at The Sandwich Factory in Ventura on March 25th where you will find out about the power of a reverse mortgage and how it improves your quality of life.  Shelly has made The Reverse Mortgage her focus for 23 years, learn from the best! Next up, Ben Kohn, owner of From Sinks To Sewers, Ben talks about overhead and how it affects the cost for you, Ben is The owner-operator and technician who completes inspections and line cleaning for your home. Ben is the best in the business at an unbeatable price!  Karen &amp; Janet finish this podcast with Justin Soenke of Phase 3 Website Solutions.  The reason you have a website is to get that phone ringing and increase business.  Justin knows the key questions that will get customer's attention and bring business to you! Another awesome podcast from Girls On The Air, Karen &amp; Janet!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3361</itunes:duration>
                <itunes:episode>343</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>Homes For Sale &amp; Rent, Hero Programs For First Responders, A Unique Way to Sell A Home &amp; Caregivers Golf Tournament!</title>
        <itunes:title>Homes For Sale &amp; Rent, Hero Programs For First Responders, A Unique Way to Sell A Home &amp; Caregivers Golf Tournament!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/homes-for-sale-rent-hero-programs-for-first-responders-a-unique-way-to-sell-a-home-caregivers-golf-tournament/</link>
                    <comments>https://girlsontheair.podbean.com/e/homes-for-sale-rent-hero-programs-for-first-responders-a-unique-way-to-sell-a-home-caregivers-golf-tournament/#comments</comments>        <pubDate>Sat, 15 Feb 2025 14:36:11 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/bf888c17-bd6a-3629-9aaf-a7d96a15fe4a</guid>
                                    <description><![CDATA[<p>Karen &amp; Jane are back with their latest podcast that starts with home buying &amp; rental opportunities in Ventura.  Larry Reyes from Smart Home Mortgage talks about the Hero Program that helps first responders, teachers and veterans that is hard to believe but true and here for you!  Fred &amp; Robert of Zoom Casa help you sell your home with a unique approach, they partner with agents and home owners to show you how to get the best price for your home with a little TLC... Karen &amp; Janet's last guest invites you to the Caregivers Golf Tournament at Sterling Hills on March 10th.  This tournament benefits Caregivers in Ventura County.  You can help by sponsoring a tee or donating to this awesome golf event.  Alis Byrne has the details!  Girls On The Air, for the community and local real estate!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Jane are back with their latest podcast that starts with home buying &amp; rental opportunities in Ventura.  Larry Reyes from Smart Home Mortgage talks about the Hero Program that helps first responders, teachers and veterans that is hard to believe but true and here for you!  Fred &amp; Robert of Zoom Casa help you sell your home with a unique approach, they partner with agents and home owners to show you how to get the best price for your home with a little TLC... Karen &amp; Janet's last guest invites you to the Caregivers Golf Tournament at Sterling Hills on March 10th.  This tournament benefits Caregivers in Ventura County.  You can help by sponsoring a tee or donating to this awesome golf event.  Alis Byrne has the details!  Girls On The Air, for the community and local real estate!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/zkved5iqd8kpu583/GOTA02152025.mp3" length="78714817" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Jane are back with their latest podcast that starts with home buying &amp; rental opportunities in Ventura.  Larry Reyes from Smart Home Mortgage talks about the Hero Program that helps first responders, teachers and veterans that is hard to believe but true and here for you!  Fred &amp; Robert of Zoom Casa help you sell your home with a unique approach, they partner with agents and home owners to show you how to get the best price for your home with a little TLC... Karen &amp; Janet's last guest invites you to the Caregivers Golf Tournament at Sterling Hills on March 10th.  This tournament benefits Caregivers in Ventura County.  You can help by sponsoring a tee or donating to this awesome golf event.  Alis Byrne has the details!  Girls On The Air, for the community and local real estate!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3279</itunes:duration>
                <itunes:episode>342</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>A Review Of A Very Big Real Estate Week, A Match Maker For Valentines Day Plus "Vets &amp; Valor" VA Programs For Our Veterans</title>
        <itunes:title>A Review Of A Very Big Real Estate Week, A Match Maker For Valentines Day Plus "Vets &amp; Valor" VA Programs For Our Veterans</itunes:title>
        <link>https://girlsontheair.podbean.com/e/a-review-of-a-very-big-real-estate-week-a-match-maker-for-valentines-day-plus-vets-valor-va-programs-for-our-veterans/</link>
                    <comments>https://girlsontheair.podbean.com/e/a-review-of-a-very-big-real-estate-week-a-match-maker-for-valentines-day-plus-vets-valor-va-programs-for-our-veterans/#comments</comments>        <pubDate>Sat, 08 Feb 2025 16:15:34 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/bdd07f37-7c90-3d7c-9a61-cd35d82268e1</guid>
                                    <description><![CDATA[<p>Valentines Day is coming up so Karen &amp; Janet have lined up an awesome podcast that starts off with Home Buying &amp; rental Opportunities.  Their first guest is Julie Furman who has been a Match-Maker since 1991! Julie talks about how she refined the art of helping people find their soul mate over the years, since Julie started she has counted more than 1,400 marriages! From Free To VIP, her strategic plan offers many opportunities for people to find their relationship oasis in the desert where people meet.  Next up it's Alex with Valor Home Finance.  They are the experts when it comes to VA loans. Many Vets are not given the best guidance when they leave the military, Valor Home Finance holds seminars that cover every aspect of home loans for veterans.  Find out about their seminar on February 20th.  Karen &amp; Janet wrap up the podcast with a couple of new laws regarding rental properties and real estate buying opportunities! Another incredible podcast from Girls On The Air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Valentines Day is coming up so Karen &amp; Janet have lined up an awesome podcast that starts off with Home Buying &amp; rental Opportunities.  Their first guest is Julie Furman who has been a Match-Maker since 1991! Julie talks about how she refined the art of helping people find their soul mate over the years, since Julie started she has counted more than 1,400 marriages! From Free To VIP, her strategic plan offers many opportunities for people to find their relationship oasis in the desert where people meet.  Next up it's Alex with Valor Home Finance.  They are the experts when it comes to VA loans. Many Vets are not given the best guidance when they leave the military, Valor Home Finance holds seminars that cover every aspect of home loans for veterans.  Find out about their seminar on February 20th.  Karen &amp; Janet wrap up the podcast with a couple of new laws regarding rental properties and real estate buying opportunities! Another incredible podcast from Girls On The Air!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/79a4ian44qu35gzv/GOTA02082025.mp3" length="80888641" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Valentines Day is coming up so Karen &amp; Janet have lined up an awesome podcast that starts off with Home Buying &amp; rental Opportunities.  Their first guest is Julie Furman who has been a Match-Maker since 1991! Julie talks about how she refined the art of helping people find their soul mate over the years, since Julie started she has counted more than 1,400 marriages! From Free To VIP, her strategic plan offers many opportunities for people to find their relationship oasis in the desert where people meet.  Next up it's Alex with Valor Home Finance.  They are the experts when it comes to VA loans. Many Vets are not given the best guidance when they leave the military, Valor Home Finance holds seminars that cover every aspect of home loans for veterans.  Find out about their seminar on February 20th.  Karen &amp; Janet wrap up the podcast with a couple of new laws regarding rental properties and real estate buying opportunities! Another incredible podcast from Girls On The Air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3370</itunes:duration>
                <itunes:episode>341</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>The Reverse Mortgage Queen - Elevate The Vibe - Epilepsy Awareness - First Wednesdays &amp; Lots of Renting &amp; Buying Opportunities</title>
        <itunes:title>The Reverse Mortgage Queen - Elevate The Vibe - Epilepsy Awareness - First Wednesdays &amp; Lots of Renting &amp; Buying Opportunities</itunes:title>
        <link>https://girlsontheair.podbean.com/e/the-reverse-mortgage-queen-elevate-the-vibe-epilepsy-awareness-first-wednesdays-lots-of-renting-buying-opportunities/</link>
                    <comments>https://girlsontheair.podbean.com/e/the-reverse-mortgage-queen-elevate-the-vibe-epilepsy-awareness-first-wednesdays-lots-of-renting-buying-opportunities/#comments</comments>        <pubDate>Sat, 01 Feb 2025 13:01:02 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/83f0725a-a35f-3c29-a730-3973894be540</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet have incredible guests that inform, relax &amp; make everyone aware of the awesome events happening in Ventura!  The podcast starts out with The Reverse Mortgage Queen, Shelley Wells, who is the expert when it comes to a reverse mortgage, for folks who want to downsize, upgrade their homes, payoff debt or have some vacation fun, Shelley is the go-to person for a reverse mortgage. Andi Girl is next with tips to reduce stress &amp; "Elevate The Vibe". Andi tells us about the 105 Day Elements Meditation classes along with Sound Baths and how practicing meditation improves your life.  Kristen Croll is in-studio to bring awareness when it comes to epilepsy, 1 in 10 people are affected in some way, the Tri County  Epilepsy Program holds many events to support people who suffer from epilepsy and their caregivers.  Karen &amp; Janet's last guest is Bob Davis to talk about First Wednesday coming up February 4th at Rocks &amp; Drams in Ventura.  Last year First Wednesday contributed over $40,000 to local charities.  It's local realtors doing good in Ventura County!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet have incredible guests that inform, relax &amp; make everyone aware of the awesome events happening in Ventura!  The podcast starts out with The Reverse Mortgage Queen, Shelley Wells, who is the expert when it comes to a reverse mortgage, for folks who want to downsize, upgrade their homes, payoff debt or have some vacation fun, Shelley is the go-to person for a reverse mortgage. Andi Girl is next with tips to reduce stress &amp; "Elevate The Vibe". Andi tells us about the 105 Day Elements Meditation classes along with Sound Baths and how practicing meditation improves your life.  Kristen Croll is in-studio to bring awareness when it comes to epilepsy, 1 in 10 people are affected in some way, the Tri County  Epilepsy Program holds many events to support people who suffer from epilepsy and their caregivers.  Karen &amp; Janet's last guest is Bob Davis to talk about First Wednesday coming up February 4th at Rocks &amp; Drams in Ventura.  Last year First Wednesday contributed over $40,000 to local charities.  It's local realtors doing good in Ventura County!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/8eeakmgh362awwiv/GOTA02012025AIR.mp3" length="82826791" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet have incredible guests that inform, relax &amp; make everyone aware of the awesome events happening in Ventura!  The podcast starts out with The Reverse Mortgage Queen, Shelley Wells, who is the expert when it comes to a reverse mortgage, for folks who want to downsize, upgrade their homes, payoff debt or have some vacation fun, Shelley is the go-to person for a reverse mortgage. Andi Girl is next with tips to reduce stress &amp; "Elevate The Vibe". Andi tells us about the 105 Day Elements Meditation classes along with Sound Baths and how practicing meditation improves your life.  Kristen Croll is in-studio to bring awareness when it comes to epilepsy, 1 in 10 people are affected in some way, the Tri County  Epilepsy Program holds many events to support people who suffer from epilepsy and their caregivers.  Karen &amp; Janet's last guest is Bob Davis to talk about First Wednesday coming up February 4th at Rocks &amp; Drams in Ventura.  Last year First Wednesday contributed over $40,000 to local charities.  It's local realtors doing good in Ventura County!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3450</itunes:duration>
                <itunes:episode>340</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Rates &amp; Reasons To Purchase A Home, New Rental Laws Plus Home Warranties &amp; HVAC</title>
        <itunes:title>Rates &amp; Reasons To Purchase A Home, New Rental Laws Plus Home Warranties &amp; HVAC</itunes:title>
        <link>https://girlsontheair.podbean.com/e/rates-reasons-to-purchase-a-home-new-rental-laws-plus-home-warranties-hvac/</link>
                    <comments>https://girlsontheair.podbean.com/e/rates-reasons-to-purchase-a-home-new-rental-laws-plus-home-warranties-hvac/#comments</comments>        <pubDate>Sat, 25 Jan 2025 13:28:53 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/1dd4d58b-2975-3ead-9be0-dc93df85e8af</guid>
                                    <description><![CDATA[<p>Janet is back from her cruise and The Girls On The Air have a podcast filled with info you need to know! Karen &amp; Janet start the cast with buying &amp; rental opportunities in Ventura.  There is a huge swing in available properties after the recent wildfires.  Next, Joe Parisi  talks about rates and buying  opportunities that will fit your needs.  Karen &amp; Janet tell us about new laws which including price gauging, credit reports and domestic violence protection for renters. the podcast wraps up with Tamara Rossi Molina with Home Choice Warranty who talks about AC, the way the laws have changed and what you should do about it.  Another awesome podcast with Karen &amp; Janet, Girls On The Air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Janet is back from her cruise and The Girls On The Air have a podcast filled with info you need to know! Karen &amp; Janet start the cast with buying &amp; rental opportunities in Ventura.  There is a huge swing in available properties after the recent wildfires.  Next, Joe Parisi  talks about rates and buying  opportunities that will fit your needs.  Karen &amp; Janet tell us about new laws which including price gauging, credit reports and domestic violence protection for renters. the podcast wraps up with Tamara Rossi Molina with Home Choice Warranty who talks about AC, the way the laws have changed and what you should do about it.  Another awesome podcast with Karen &amp; Janet, Girls On The Air!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/cgdis6558hx5fs2k/GOTA01252025.mp3" length="81236880" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Janet is back from her cruise and The Girls On The Air have a podcast filled with info you need to know! Karen &amp; Janet start the cast with buying &amp; rental opportunities in Ventura.  There is a huge swing in available properties after the recent wildfires.  Next, Joe Parisi  talks about rates and buying  opportunities that will fit your needs.  Karen &amp; Janet tell us about new laws which including price gauging, credit reports and domestic violence protection for renters. the podcast wraps up with Tamara Rossi Molina with Home Choice Warranty who talks about AC, the way the laws have changed and what you should do about it.  Another awesome podcast with Karen &amp; Janet, Girls On The Air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3384</itunes:duration>
                <itunes:episode>339</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Home Buying Opportunities, The Word On Rates, Focus On Insurance, Gentle Animal Training</title>
        <itunes:title>Home Buying Opportunities, The Word On Rates, Focus On Insurance, Gentle Animal Training</itunes:title>
        <link>https://girlsontheair.podbean.com/e/home-buying-opportunities-the-word-on-rates-focus-on-insurance-gentle-animal-training/</link>
                    <comments>https://girlsontheair.podbean.com/e/home-buying-opportunities-the-word-on-rates-focus-on-insurance-gentle-animal-training/#comments</comments>        <pubDate>Sat, 18 Jan 2025 12:20:58 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/7f69e724-70a8-3360-996f-48b1f564a09a</guid>
                                    <description><![CDATA[<p>Karen and her guest co-host, Jackie Braley have an awesome podcast that starts off with beautiful home buying opportunities in Ventura and investment properties too.  Larry Reyes is next from Smart Home Mortgage to talk about rates that are averaging below 7% and the fact that there are so many plans that will fit a wide variety of buyers needs, do not count yourself out, listen to Larry!  Next up Karen &amp; Jackie chat with Chris Faber who has been in the insurance business for over 20 years and is now a Public Adjuster who focuses on each home owners personal needs.  Chris points out that many people and homes are under insured, make sure you have the proper coverage for your home.  They wrap-up this podcast with Shannon Riley, owner of Truly Force Free Animal Training that offers in-person and online training.  The gentle way is the best way for your pet.  What a podcast, Girls On The Air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen and her guest co-host, Jackie Braley have an awesome podcast that starts off with beautiful home buying opportunities in Ventura and investment properties too.  Larry Reyes is next from Smart Home Mortgage to talk about rates that are averaging below 7% and the fact that there are so many plans that will fit a wide variety of buyers needs, do not count yourself out, listen to Larry!  Next up Karen &amp; Jackie chat with Chris Faber who has been in the insurance business for over 20 years and is now a Public Adjuster who focuses on each home owners personal needs.  Chris points out that many people and homes are under insured, make sure you have the proper coverage for your home.  They wrap-up this podcast with Shannon Riley, owner of Truly Force Free Animal Training that offers in-person and online training.  The gentle way is the best way for your pet.  What a podcast, Girls On The Air!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/hq3hd8w7e9dbf8ap/GOTA01182025.mp3" length="80326465" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen and her guest co-host, Jackie Braley have an awesome podcast that starts off with beautiful home buying opportunities in Ventura and investment properties too.  Larry Reyes is next from Smart Home Mortgage to talk about rates that are averaging below 7% and the fact that there are so many plans that will fit a wide variety of buyers needs, do not count yourself out, listen to Larry!  Next up Karen &amp; Jackie chat with Chris Faber who has been in the insurance business for over 20 years and is now a Public Adjuster who focuses on each home owners personal needs.  Chris points out that many people and homes are under insured, make sure you have the proper coverage for your home.  They wrap-up this podcast with Shannon Riley, owner of Truly Force Free Animal Training that offers in-person and online training.  The gentle way is the best way for your pet.  What a podcast, Girls On The Air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3346</itunes:duration>
                <itunes:episode>338</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Ways To Assist Fire Victims, Interest Rates &amp; Reports, Latitude  Survey, Home Buying Opportunities, &amp; Float Reiki</title>
        <itunes:title>Ways To Assist Fire Victims, Interest Rates &amp; Reports, Latitude  Survey, Home Buying Opportunities, &amp; Float Reiki</itunes:title>
        <link>https://girlsontheair.podbean.com/e/ways-to-assist-fire-victims-interest-rates-reports-latitude-survey-home-buying-opportunities-float-reiki/</link>
                    <comments>https://girlsontheair.podbean.com/e/ways-to-assist-fire-victims-interest-rates-reports-latitude-survey-home-buying-opportunities-float-reiki/#comments</comments>        <pubDate>Sat, 11 Jan 2025 13:59:03 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/f599e2ce-966f-3aeb-a686-44a5bf349235</guid>
                                    <description><![CDATA[<p>Karen and her special guest host Bob Ridgway, The Man In The Room start off the podcast with vital information that gives people ways to help out or to get help after the devastating fires in Ventura County and now in Los Angeles. Their first guest is Joe Parisi of RATE Mortgage who goes over the complex issues that cause interest rates to rise and fall.  Joe explains that the recent jobs report caused interest rates to go up due to inflation concerns.  Joe adds that there are still programs and excellent reasons to purchase a home now as opposed to wait for a rate drop. Seth Doherty is the next guest, Seth talks about how devastating fires and floods often obliterate property lines and the importance of having your survey done by a professional with experience, very interesting information with Seth. To wrap up the podcast it is time to relax with Shannon Vasquez from Float Reiki, Her gentle technique removes stress by releasing stuck energy, listen in and take a breath, Girls On The Air.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen and her special guest host Bob Ridgway, The Man In The Room start off the podcast with vital information that gives people ways to help out or to get help after the devastating fires in Ventura County and now in Los Angeles. Their first guest is Joe Parisi of RATE Mortgage who goes over the complex issues that cause interest rates to rise and fall.  Joe explains that the recent jobs report caused interest rates to go up due to inflation concerns.  Joe adds that there are still programs and excellent reasons to purchase a home now as opposed to wait for a rate drop. Seth Doherty is the next guest, Seth talks about how devastating fires and floods often obliterate property lines and the importance of having your survey done by a professional with experience, very interesting information with Seth. To wrap up the podcast it is time to relax with Shannon Vasquez from Float Reiki, Her gentle technique removes stress by releasing stuck energy, listen in and take a breath, Girls On The Air.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/netbmtqnmbxie7ph/GOTA01112025.mp3" length="77200513" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen and her special guest host Bob Ridgway, The Man In The Room start off the podcast with vital information that gives people ways to help out or to get help after the devastating fires in Ventura County and now in Los Angeles. Their first guest is Joe Parisi of RATE Mortgage who goes over the complex issues that cause interest rates to rise and fall.  Joe explains that the recent jobs report caused interest rates to go up due to inflation concerns.  Joe adds that there are still programs and excellent reasons to purchase a home now as opposed to wait for a rate drop. Seth Doherty is the next guest, Seth talks about how devastating fires and floods often obliterate property lines and the importance of having your survey done by a professional with experience, very interesting information with Seth. To wrap up the podcast it is time to relax with Shannon Vasquez from Float Reiki, Her gentle technique removes stress by releasing stuck energy, listen in and take a breath, Girls On The Air.]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3216</itunes:duration>
                <itunes:episode>337</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Happy New Year from Janet &amp; Karen. This Podcast Features, New Rentals, New Laws &amp; New Opportunities!</title>
        <itunes:title>Happy New Year from Janet &amp; Karen. This Podcast Features, New Rentals, New Laws &amp; New Opportunities!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/happy-new-year-from-janet-karen-this-podcast-features-new-rentals-new-laws-new-opportunities/</link>
                    <comments>https://girlsontheair.podbean.com/e/happy-new-year-from-janet-karen-this-podcast-features-new-rentals-new-laws-new-opportunities/#comments</comments>        <pubDate>Sat, 04 Jan 2025 12:28:57 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/8c21a1c2-7722-33c9-9b77-09ba29d64bf9</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet begin 2025 with a fun &amp; informative podcast that starts with buying and rental opportunities.  Their first guest is The Reverse Mortgage Queen Shelly Wells who talks about The FHA increasing the lending limit and what that means with your reverse mortgage plus the benefits of a revers mortgage, home improvements, new home purchases, paying for education and so much more!.  Next up it's Denise &amp; Andres with Paladin Professional Insurance. Be aware of low limit insurance policies and understand the benefits of umbrella coverage and more. Denise and Andres have the insurance info you need for the new year.  Karen &amp; Janet end this podcast with a roundtable discussion about new laws in the new year.  Thanks for starting  off 2025 with Karen &amp; Janet, Girls On The Air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet begin 2025 with a fun &amp; informative podcast that starts with buying and rental opportunities.  Their first guest is The Reverse Mortgage Queen Shelly Wells who talks about The FHA increasing the lending limit and what that means with your reverse mortgage plus the benefits of a revers mortgage, home improvements, new home purchases, paying for education and so much more!.  Next up it's Denise &amp; Andres with Paladin Professional Insurance. Be aware of low limit insurance policies and understand the benefits of umbrella coverage and more. Denise and Andres have the insurance info you need for the new year.  Karen &amp; Janet end this podcast with a roundtable discussion about new laws in the new year.  Thanks for starting  off 2025 with Karen &amp; Janet, Girls On The Air!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/2grfugpgwjpc3tzc/GOTA01042025.mp3" length="80644417" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet begin 2025 with a fun &amp; informative podcast that starts with buying and rental opportunities.  Their first guest is The Reverse Mortgage Queen Shelly Wells who talks about The FHA increasing the lending limit and what that means with your reverse mortgage plus the benefits of a revers mortgage, home improvements, new home purchases, paying for education and so much more!.  Next up it's Denise &amp; Andres with Paladin Professional Insurance. Be aware of low limit insurance policies and understand the benefits of umbrella coverage and more. Denise and Andres have the insurance info you need for the new year.  Karen &amp; Janet end this podcast with a roundtable discussion about new laws in the new year.  Thanks for starting  off 2025 with Karen &amp; Janet, Girls On The Air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3359</itunes:duration>
                <itunes:episode>336</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>For The New Year, Reverse Mortgages, Escrow's, The Soroptimist Club, &amp; More with Girls On The Air!</title>
        <itunes:title>For The New Year, Reverse Mortgages, Escrow's, The Soroptimist Club, &amp; More with Girls On The Air!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/for-the-new-year-reverse-mortgages-escrows-the-soroptimist-club-more-with-girls-on-the-air/</link>
                    <comments>https://girlsontheair.podbean.com/e/for-the-new-year-reverse-mortgages-escrows-the-soroptimist-club-more-with-girls-on-the-air/#comments</comments>        <pubDate>Sat, 28 Dec 2024 10:24:59 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/32b83dbe-b25b-3f4f-949d-3b0ce36361b8</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet have and excellent end of the year podcast that features Shelly Wells, The Reverse Mortgage Queen that tells you how you can use the money from a reverse mortgage for home improvement, to help with payments for assisted living and more.  Dee Day is next to highlight the work an Escrow Officer does making certain your loan goes smoothly and most of all protects you from fraud! Debbie from The Soroptimist Club works to put a stop to Human Trafficking a crime that exist here in Ventura County, find out how you can help prevent this horrible crime and what to be aware of in your community.  Listen, learn, and be informed about your community with Karen &amp; Janet, Girls On The Air wishing everyone a happy, healthy, and prosperous 2025!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet have and excellent end of the year podcast that features Shelly Wells, The Reverse Mortgage Queen that tells you how you can use the money from a reverse mortgage for home improvement, to help with payments for assisted living and more.  Dee Day is next to highlight the work an Escrow Officer does making certain your loan goes smoothly and most of all protects you from fraud! Debbie from The Soroptimist Club works to put a stop to Human Trafficking a crime that exist here in Ventura County, find out how you can help prevent this horrible crime and what to be aware of in your community.  Listen, learn, and be informed about your community with Karen &amp; Janet, Girls On The Air wishing everyone a happy, healthy, and prosperous 2025!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/3zugp3sh5re7zjah/GOTA12282024AIR1.mp3" length="81909825" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet have and excellent end of the year podcast that features Shelly Wells, The Reverse Mortgage Queen that tells you how you can use the money from a reverse mortgage for home improvement, to help with payments for assisted living and more.  Dee Day is next to highlight the work an Escrow Officer does making certain your loan goes smoothly and most of all protects you from fraud! Debbie from The Soroptimist Club works to put a stop to Human Trafficking a crime that exist here in Ventura County, find out how you can help prevent this horrible crime and what to be aware of in your community.  Listen, learn, and be informed about your community with Karen &amp; Janet, Girls On The Air wishing everyone a happy, healthy, and prosperous 2025!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3412</itunes:duration>
                <itunes:episode>335</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>It's The Girl's On The Air Christmas &amp; Holiday Podcast, Mortgages, Moving &amp; Money Management!</title>
        <itunes:title>It's The Girl's On The Air Christmas &amp; Holiday Podcast, Mortgages, Moving &amp; Money Management!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/its-the-girls-on-the-air-christmas-holiday-podcast-mortgages-moving-money-management/</link>
                    <comments>https://girlsontheair.podbean.com/e/its-the-girls-on-the-air-christmas-holiday-podcast-mortgages-moving-money-management/#comments</comments>        <pubDate>Sat, 21 Dec 2024 12:22:32 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/7710370a-8a4f-3110-a57d-8e11950c8107</guid>
                                    <description><![CDATA[<p class="p1">Janet Sprissler &amp; her special guest Suzzi Koening-Brown from Berkshire Hathaway Home Services California Properties have an awesome holiday podcast that starts off with Chris Conlon from Movement Mortgage, Chris talks about building relationships as a mortgage lender and the importance of knowing the many purchasing programs that are available, Chris finds the one that fits you best.  Next, it's all about managing your money with Jeff Moorhouse a Certified Financial Planner who guides his clients throughout the year, learn about The 4 E's with Jeff and start out the year 2025 with a Financial Planner who has worked in Ventura County for years.  The podcast wraps up with Aaron Stanton from Meathead Movers.  Meathead Movers handles your precious items with care, Meathead Movers moves folks around the county and across the country. They offer a "not to exceed guaranteed price" so you know the cost when you move with Meathead Movers.  The holiday podcast with Janet &amp; Suzzi with special Christmas memories too!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p class="p1">Janet Sprissler &amp; her special guest Suzzi Koening-Brown from Berkshire Hathaway Home Services California Properties have an awesome holiday podcast that starts off with Chris Conlon from Movement Mortgage, Chris talks about building relationships as a mortgage lender and the importance of knowing the many purchasing programs that are available, Chris finds the one that fits you best.  Next, it's all about managing your money with Jeff Moorhouse a Certified Financial Planner who guides his clients throughout the year, learn about The 4 E's with Jeff and start out the year 2025 with a Financial Planner who has worked in Ventura County for years.  The podcast wraps up with Aaron Stanton from Meathead Movers.  Meathead Movers handles your precious items with care, Meathead Movers moves folks around the county and across the country. They offer a "not to exceed guaranteed price" so you know the cost when you move with Meathead Movers.  The holiday podcast with Janet &amp; Suzzi with special Christmas memories too!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/u4arrujcbevjwuak/GOTA12212024.mp3" length="81253163" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Janet Sprissler &amp; her special guest Suzzi Koening-Brown from Berkshire Hathaway Home Services California Properties have an awesome holiday podcast that starts off with Chris Conlon from Movement Mortgage, Chris talks about building relationships as a mortgage lender and the importance of knowing the many purchasing programs that are available, Chris finds the one that fits you best.  Next, it's all about managing your money with Jeff Moorhouse a Certified Financial Planner who guides his clients throughout the year, learn about The 4 E's with Jeff and start out the year 2025 with a Financial Planner who has worked in Ventura County for years.  The podcast wraps up with Aaron Stanton from Meathead Movers.  Meathead Movers handles your precious items with care, Meathead Movers moves folks around the county and across the country. They offer a "not to exceed guaranteed price" so you know the cost when you move with Meathead Movers.  The holiday podcast with Janet &amp; Suzzi with special Christmas memories too!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3385</itunes:duration>
                <itunes:episode>334</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>All About Finances! From Reverse Mortgages To Managing APPS &amp; AI to Bookkeeping &amp; The IRS!</title>
        <itunes:title>All About Finances! From Reverse Mortgages To Managing APPS &amp; AI to Bookkeeping &amp; The IRS!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/all-about-finances-from-reverse-mortgages-to-managing-apps-ai-to-bookkeeping-the-irs/</link>
                    <comments>https://girlsontheair.podbean.com/e/all-about-finances-from-reverse-mortgages-to-managing-apps-ai-to-bookkeeping-the-irs/#comments</comments>        <pubDate>Sat, 14 Dec 2024 12:23:03 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/04cca776-2de5-3bba-a30d-65356727f70f</guid>
                                    <description><![CDATA[<p>Janet Sprissler &amp; her special Guest host Bob Ridgway from Keller Williams have an awesome podcast that focuses on finance!  Their first guest is Shelly Wells fo Mutual of Omaha who is The Reverse Mortgage Queen for Ventura County! Shelly tells us how a reverse mortgage can help you meet your financial goals, learn all of the advantages with Shelly!  Next Janet &amp; Bob talk tech, Apps &amp; AI with Megan Palmquist, Megan not only has many seminars on how to use essential apps for business she also makes sure you are getting your monies worth and are not overspending like many people do.  Make sure AI is working for you and your business.  We get to bookkeeping with our final podcast guest Nicole Robb with OZ Bookkeeping Services.  With the New Year coming quickly you need to have your books in order, for gifts and purchases you can write off, 1099's and all the rest for the IRS, learn everything you need to know with OZ Bookkeeping Services.  Another great podcast from Girls (and Bob) On The Air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Janet Sprissler &amp; her special Guest host Bob Ridgway from Keller Williams have an awesome podcast that focuses on finance!  Their first guest is Shelly Wells fo Mutual of Omaha who is The Reverse Mortgage Queen for Ventura County! Shelly tells us how a reverse mortgage can help you meet your financial goals, learn all of the advantages with Shelly!  Next Janet &amp; Bob talk tech, Apps &amp; AI with Megan Palmquist, Megan not only has many seminars on how to use essential apps for business she also makes sure you are getting your monies worth and are not overspending like many people do.  Make sure AI is working for you and your business.  We get to bookkeeping with our final podcast guest Nicole Robb with OZ Bookkeeping Services.  With the New Year coming quickly you need to have your books in order, for gifts and purchases you can write off, 1099's and all the rest for the IRS, learn everything you need to know with OZ Bookkeeping Services.  Another great podcast from Girls (and Bob) On The Air!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/tncmyq8wxzi87vq8/GOTA12142024.mp3" length="80684737" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Janet Sprissler &amp; her special Guest host Bob Ridgway from Keller Williams have an awesome podcast that focuses on finance!  Their first guest is Shelly Wells fo Mutual of Omaha who is The Reverse Mortgage Queen for Ventura County! Shelly tells us how a reverse mortgage can help you meet your financial goals, learn all of the advantages with Shelly!  Next Janet &amp; Bob talk tech, Apps &amp; AI with Megan Palmquist, Megan not only has many seminars on how to use essential apps for business she also makes sure you are getting your monies worth and are not overspending like many people do.  Make sure AI is working for you and your business.  We get to bookkeeping with our final podcast guest Nicole Robb with OZ Bookkeeping Services.  With the New Year coming quickly you need to have your books in order, for gifts and purchases you can write off, 1099's and all the rest for the IRS, learn everything you need to know with OZ Bookkeeping Services.  Another great podcast from Girls (and Bob) On The Air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3361</itunes:duration>
                <itunes:episode>333</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>A "Miracle Loan", Hobson Heights, Insurance Solutions, Growing Works, &amp; A Grateful Dead New Year's Party!</title>
        <itunes:title>A "Miracle Loan", Hobson Heights, Insurance Solutions, Growing Works, &amp; A Grateful Dead New Year's Party!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/a-miracle-loan-hobson-heights-insurance-solutions-growing-works-a-grateful-dead-new-years-party/</link>
                    <comments>https://girlsontheair.podbean.com/e/a-miracle-loan-hobson-heights-insurance-solutions-growing-works-a-grateful-dead-new-years-party/#comments</comments>        <pubDate>Sat, 07 Dec 2024 12:26:18 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/321b2f64-6360-3f52-a7eb-28761a00d0bf</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet have another eclectic podcast for you!  They start off with guest Joe Parisi who has a loan opportunity that is so unique, Joe calls it The "Miracle Loan"!  Realtor Toni Guy from Berkshire Hathaway has created a documentary about Hobson Heights in Ventura, find out how you can view this incredible story.  Denise Pomboonreung &amp; Andres Winokur give everyone the lates news and information on insurance from Paladin Professional Insurance Solutions...  The girls finish up this podcast with a couple of awesome parties first Josh Carsman with Turning Point Foundation invites everyone to Growing Works Winter Magic Fundraiser at Flight 126 Cafe in Santa Paula... Find out how to get tickets to this party with great food and Magician Andy Gross. They wrap up the podcast with Nick Stangly from The Crowne Plaza Ventura for their New Year's Eve Party with a Grateful Dead Theme.  What a podcast from Karen &amp; Janet... Girls On The Air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet have another eclectic podcast for you!  They start off with guest Joe Parisi who has a loan opportunity that is so unique, Joe calls it The "Miracle Loan"!  Realtor Toni Guy from Berkshire Hathaway has created a documentary about Hobson Heights in Ventura, find out how you can view this incredible story.  Denise Pomboonreung &amp; Andres Winokur give everyone the lates news and information on insurance from Paladin Professional Insurance Solutions...  The girls finish up this podcast with a couple of awesome parties first Josh Carsman with Turning Point Foundation invites everyone to Growing Works Winter Magic Fundraiser at Flight 126 Cafe in Santa Paula... Find out how to get tickets to this party with great food and Magician Andy Gross. They wrap up the podcast with Nick Stangly from The Crowne Plaza Ventura for their New Year's Eve Party with a Grateful Dead Theme.  What a podcast from Karen &amp; Janet... Girls On The Air!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/nvkawx8w83mxgqfj/GOTA12072024.mp3" length="81838168" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet have another eclectic podcast for you!  They start off with guest Joe Parisi who has a loan opportunity that is so unique, Joe calls it The "Miracle Loan"!  Realtor Toni Guy from Berkshire Hathaway has created a documentary about Hobson Heights in Ventura, find out how you can view this incredible story.  Denise Pomboonreung &amp; Andres Winokur give everyone the lates news and information on insurance from Paladin Professional Insurance Solutions...  The girls finish up this podcast with a couple of awesome parties first Josh Carsman with Turning Point Foundation invites everyone to Growing Works Winter Magic Fundraiser at Flight 126 Cafe in Santa Paula... Find out how to get tickets to this party with great food and Magician Andy Gross. They wrap up the podcast with Nick Stangly from The Crowne Plaza Ventura for their New Year's Eve Party with a Grateful Dead Theme.  What a podcast from Karen &amp; Janet... Girls On The Air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3409</itunes:duration>
                <itunes:episode>332</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Learn About FHA203H Loans, The latest From Ventiki, Hypnotherapy For Fire Victims, First Wednesday &amp; The Greek Tango Party!</title>
        <itunes:title>Learn About FHA203H Loans, The latest From Ventiki, Hypnotherapy For Fire Victims, First Wednesday &amp; The Greek Tango Party!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/learn-about-fha203h-loans-the-latest-from-ventiki-hypnotherapy-for-fire-victims-first-wednesday-the-greek-tango-party/</link>
                    <comments>https://girlsontheair.podbean.com/e/learn-about-fha203h-loans-the-latest-from-ventiki-hypnotherapy-for-fire-victims-first-wednesday-the-greek-tango-party/#comments</comments>        <pubDate>Sat, 30 Nov 2024 13:04:45 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/4011204c-7f93-3308-b849-9e36a03e6526</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet have an awesome Thanksgiving Weekend Podcast! They start off with an incredible loan opportunity called the FHA 203 H, Derek from Smart Home Financial has the inside info!  Duane Couch has the latest drinks for your holiday party, Duane will tell us how we can celebrate at Ventiki, ask about The Mistress of Citrus... Hypnotherapist Patrick Pothier will guide us through the stress fire victims have and how to reduce that with hypnotherapy that will reassure and calm the nerves of youngsters and adults too. Bob Davis is on the podcast inviting listeners to the First Wednesday at The Tower Club where we will all have fun playing trivia and helping out local libraries too.  It's time to tango at The Greek with dancing fun for beginners and folks who have tango'd for years!  Find out when the party is at The Greek on this Thanksgiving podcast from Girls On The Air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet have an awesome Thanksgiving Weekend Podcast! They start off with an incredible loan opportunity called the FHA 203 H, Derek from Smart Home Financial has the inside info!  Duane Couch has the latest drinks for your holiday party, Duane will tell us how we can celebrate at Ventiki, ask about The Mistress of Citrus... Hypnotherapist Patrick Pothier will guide us through the stress fire victims have and how to reduce that with hypnotherapy that will reassure and calm the nerves of youngsters and adults too. Bob Davis is on the podcast inviting listeners to the First Wednesday at The Tower Club where we will all have fun playing trivia and helping out local libraries too.  It's time to tango at The Greek with dancing fun for beginners and folks who have tango'd for years!  Find out when the party is at The Greek on this Thanksgiving podcast from Girls On The Air!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/r9wndxbnhsvhnyd3/GOTA113024tgivefill.mp3" length="81651704" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet have an awesome Thanksgiving Weekend Podcast! They start off with an incredible loan opportunity called the FHA 203 H, Derek from Smart Home Financial has the inside info!  Duane Couch has the latest drinks for your holiday party, Duane will tell us how we can celebrate at Ventiki, ask about The Mistress of Citrus... Hypnotherapist Patrick Pothier will guide us through the stress fire victims have and how to reduce that with hypnotherapy that will reassure and calm the nerves of youngsters and adults too. Bob Davis is on the podcast inviting listeners to the First Wednesday at The Tower Club where we will all have fun playing trivia and helping out local libraries too.  It's time to tango at The Greek with dancing fun for beginners and folks who have tango'd for years!  Find out when the party is at The Greek on this Thanksgiving podcast from Girls On The Air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3401</itunes:duration>
                <itunes:episode>331</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Rental News For Mountain Fire Victims, Details On Mortgage Programs For Owners &amp; Renters Too!</title>
        <itunes:title>Rental News For Mountain Fire Victims, Details On Mortgage Programs For Owners &amp; Renters Too!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/rental-news-for-mountain-fire-victims-details-on-mortgage-programs-for-owners-renters-too/</link>
                    <comments>https://girlsontheair.podbean.com/e/rental-news-for-mountain-fire-victims-details-on-mortgage-programs-for-owners-renters-too/#comments</comments>        <pubDate>Sat, 16 Nov 2024 14:09:01 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/d436d4b7-e4c2-3199-98a5-d35095c9a588</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet focus on the Mountain Fire once again with information that will help all victims of wildfires.  Larry Reyes is first on the podcast and Larry has an update on loan programs that focuses on FHA 203 H, get details on this program from Larry at Smart Home Mortgage. Brian Zell gives his personal experience with devastating fires in California from The Thomas Fire to the Camp Fire in Paradise California along with The Mountain Fire. He along with friends and family members were directly affected by these fires and he knows what people need after suffering through this experience, from the simple day-to-day needs to rebuilding their homes and lives, an amazing conversation.  Last on this podcast is Abe Luna from Rent 805 who works with senior citizens in Ventura County and knows the programs that will assist seniors who have been displaced by fires find a new rental, listen in to see if you qualify for one of these programs.  The perfect podcast with information fire victims need!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet focus on the Mountain Fire once again with information that will help all victims of wildfires.  Larry Reyes is first on the podcast and Larry has an update on loan programs that focuses on FHA 203 H, get details on this program from Larry at Smart Home Mortgage. Brian Zell gives his personal experience with devastating fires in California from The Thomas Fire to the Camp Fire in Paradise California along with The Mountain Fire. He along with friends and family members were directly affected by these fires and he knows what people need after suffering through this experience, from the simple day-to-day needs to rebuilding their homes and lives, an amazing conversation.  Last on this podcast is Abe Luna from Rent 805 who works with senior citizens in Ventura County and knows the programs that will assist seniors who have been displaced by fires find a new rental, listen in to see if you qualify for one of these programs.  The perfect podcast with information fire victims need!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/w8jqwei4wwnhp3h4/GOTA11162024.mp3" length="80636929" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet focus on the Mountain Fire once again with information that will help all victims of wildfires.  Larry Reyes is first on the podcast and Larry has an update on loan programs that focuses on FHA 203 H, get details on this program from Larry at Smart Home Mortgage. Brian Zell gives his personal experience with devastating fires in California from The Thomas Fire to the Camp Fire in Paradise California along with The Mountain Fire. He along with friends and family members were directly affected by these fires and he knows what people need after suffering through this experience, from the simple day-to-day needs to rebuilding their homes and lives, an amazing conversation.  Last on this podcast is Abe Luna from Rent 805 who works with senior citizens in Ventura County and knows the programs that will assist seniors who have been displaced by fires find a new rental, listen in to see if you qualify for one of these programs.  The perfect podcast with information fire victims need!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3359</itunes:duration>
                <itunes:episode>330</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>A Salute To Veterans Plus Important Information For Mountain Fire Victims!</title>
        <itunes:title>A Salute To Veterans Plus Important Information For Mountain Fire Victims!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/a-salute-to-veterans-plus-important-information-for-mountain-fire-victims/</link>
                    <comments>https://girlsontheair.podbean.com/e/a-salute-to-veterans-plus-important-information-for-mountain-fire-victims/#comments</comments>        <pubDate>Sat, 09 Nov 2024 13:04:56 -0800</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/77790187-1462-35b5-9512-3c117118070e</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet begin this podcast with essential information for Mountain Fire victims.  How you can be helped, avoid scams along with essential advice people need during this incredibly stressful situation.  Their first guest is Shelly Wells The "Reverse Mortgage Queen", if you have a reverse mortgage and you suffered any damage from the fire, get in touch with your lender now, Shelly has important points to make in this discussion.  Shelly also has many opportunities for veterans when it comes to considering a revers mortgage. Navy Veteran Mike Robb is next, during Mike's 24 years in service to our country he studied investing along with whether it is time to buy or rent when you are in the military, while the challenge is there, so are many awesome opportunities!  Jana Scarborough worked with many people during the Thomas Fire and has lots of experience to help people suffering loss now, whether it is relocation needs, insurance questions, mortgage advice or basic needs when it comes to food, clothing and other services, Jana has a list of tips to will provide for you.  Chris Faber is the final guest a Public Insurance Adjuster who has helped people get their deserved settlement with insurance for claims from floods to fires.. Chris takes the pressure off the property owner to get the right settlement,  Another awesome podcast from Janet &amp; Karen! </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet begin this podcast with essential information for Mountain Fire victims.  How you can be helped, avoid scams along with essential advice people need during this incredibly stressful situation.  Their first guest is Shelly Wells The "Reverse Mortgage Queen", if you have a reverse mortgage and you suffered any damage from the fire, get in touch with your lender now, Shelly has important points to make in this discussion.  Shelly also has many opportunities for veterans when it comes to considering a revers mortgage. Navy Veteran Mike Robb is next, during Mike's 24 years in service to our country he studied investing along with whether it is time to buy or rent when you are in the military, while the challenge is there, so are many awesome opportunities!  Jana Scarborough worked with many people during the Thomas Fire and has lots of experience to help people suffering loss now, whether it is relocation needs, insurance questions, mortgage advice or basic needs when it comes to food, clothing and other services, Jana has a list of tips to will provide for you.  Chris Faber is the final guest a Public Insurance Adjuster who has helped people get their deserved settlement with insurance for claims from floods to fires.. Chris takes the pressure off the property owner to get the right settlement,  Another awesome podcast from Janet &amp; Karen! </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/nzxkdqyvcxgubtih/GOTA11092024.mp3" length="81945601" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet begin this podcast with essential information for Mountain Fire victims.  How you can be helped, avoid scams along with essential advice people need during this incredibly stressful situation.  Their first guest is Shelly Wells The "Reverse Mortgage Queen", if you have a reverse mortgage and you suffered any damage from the fire, get in touch with your lender now, Shelly has important points to make in this discussion.  Shelly also has many opportunities for veterans when it comes to considering a revers mortgage. Navy Veteran Mike Robb is next, during Mike's 24 years in service to our country he studied investing along with whether it is time to buy or rent when you are in the military, while the challenge is there, so are many awesome opportunities!  Jana Scarborough worked with many people during the Thomas Fire and has lots of experience to help people suffering loss now, whether it is relocation needs, insurance questions, mortgage advice or basic needs when it comes to food, clothing and other services, Jana has a list of tips to will provide for you.  Chris Faber is the final guest a Public Insurance Adjuster who has helped people get their deserved settlement with insurance for claims from floods to fires.. Chris takes the pressure off the property owner to get the right settlement,  Another awesome podcast from Janet &amp; Karen! ]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3414</itunes:duration>
                <itunes:episode>329</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Veterans &amp; Valor, Interest Rates &amp; Elections, Surveying Your Property Meathead Movers &amp; First Wednesday!</title>
        <itunes:title>Veterans &amp; Valor, Interest Rates &amp; Elections, Surveying Your Property Meathead Movers &amp; First Wednesday!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/veterans-valor-interest-rates-elections-surveying-your-property-meathead-movers-first-wednesday/</link>
                    <comments>https://girlsontheair.podbean.com/e/veterans-valor-interest-rates-elections-surveying-your-property-meathead-movers-first-wednesday/#comments</comments>        <pubDate>Sat, 02 Nov 2024 12:40:31 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/cc6c79f6-9947-3578-8acf-5eec11d262d2</guid>
                                    <description><![CDATA[<p>Janet &amp; Karen's podcast starts with Alex Ramirez in studio to invite veterans to Vets &amp; Valor, a seminar that helps vets with VA Loans and veteran services listen up to hear what programs are available with the experts at this seminar.  Derek from Smart Home Mortgage gives a lot of insight on how elections, unemployment reports along with the feds can affect your home loan.  Seth Doherty of Latitude Surveying has a fascinating conversation with Karen &amp; Janet about how important it is to have your land surveyed for selling, adding an ADU and more.  The Girl's favorite Moving Company comes on board with Aaron Stanton who started with Meathead Movers as a mover and now is a territory manager this family owned company. Find out why Meathead Movers is the best! We wrap-up the podcast with Bob Davis talking about the next First Wednesday event at Rocks &amp; Drams this Wednesday.  another great podcast with Karen &amp; Janet!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Janet &amp; Karen's podcast starts with Alex Ramirez in studio to invite veterans to Vets &amp; Valor, a seminar that helps vets with VA Loans and veteran services listen up to hear what programs are available with the experts at this seminar.  Derek from Smart Home Mortgage gives a lot of insight on how elections, unemployment reports along with the feds can affect your home loan.  Seth Doherty of Latitude Surveying has a fascinating conversation with Karen &amp; Janet about how important it is to have your land surveyed for selling, adding an ADU and more.  The Girl's favorite Moving Company comes on board with Aaron Stanton who started with Meathead Movers as a mover and now is a territory manager this family owned company. Find out why Meathead Movers is the best! We wrap-up the podcast with Bob Davis talking about the next First Wednesday event at Rocks &amp; Drams this Wednesday.  another great podcast with Karen &amp; Janet!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/mpjgzr3wrgw7cdcw/GOTA11022024.mp3" length="81600001" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Janet &amp; Karen's podcast starts with Alex Ramirez in studio to invite veterans to Vets &amp; Valor, a seminar that helps vets with VA Loans and veteran services listen up to hear what programs are available with the experts at this seminar.  Derek from Smart Home Mortgage gives a lot of insight on how elections, unemployment reports along with the feds can affect your home loan.  Seth Doherty of Latitude Surveying has a fascinating conversation with Karen &amp; Janet about how important it is to have your land surveyed for selling, adding an ADU and more.  The Girl's favorite Moving Company comes on board with Aaron Stanton who started with Meathead Movers as a mover and now is a territory manager this family owned company. Find out why Meathead Movers is the best! We wrap-up the podcast with Bob Davis talking about the next First Wednesday event at Rocks &amp; Drams this Wednesday.  another great podcast with Karen &amp; Janet!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3399</itunes:duration>
                <itunes:episode>328</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>It's The 10th Anniversary Celebration of Girls On The Air! Featuring Rent Control &amp; Renters Rights &amp; Senior Scams, How To Avoid Them!</title>
        <itunes:title>It's The 10th Anniversary Celebration of Girls On The Air! Featuring Rent Control &amp; Renters Rights &amp; Senior Scams, How To Avoid Them!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/its-the-10th-anniversary-celebration-of-girls-on-the-air-featuring-rent-control-renters-rights-senior-scams-how-to-avoid-them/</link>
                    <comments>https://girlsontheair.podbean.com/e/its-the-10th-anniversary-celebration-of-girls-on-the-air-featuring-rent-control-renters-rights-senior-scams-how-to-avoid-them/#comments</comments>        <pubDate>Sat, 26 Oct 2024 12:11:05 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/afa561c4-3fac-3513-a06f-d8369d6b5155</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet celebrate the 10th Anniversary of Girls On The Air with a show that features Ventura County Coastal Association of Realtors Governor of Affairs Director, Rob Leatherwood. Rob discusses rent control &amp; renters, what everyone's rights and responsibilities are along with land use rules, The Fair Housing Collaborative and more.  Rob is a wealth of information on these subjects and more.  Next, Shelly Wells The revers Mortgage Queen warns everyone about the many scams that are happening via phone calls and social media to steal money from seniors.  Scams include Fake Government Programs, Medicare Scams, Loved Ones in Peril and love/relationship scams, be aware and informed with this podcast!  Karen &amp; Janet... Girls On The Air 10th Anniversary Show!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet celebrate the 10th Anniversary of Girls On The Air with a show that features Ventura County Coastal Association of Realtors Governor of Affairs Director, Rob Leatherwood. Rob discusses rent control &amp; renters, what everyone's rights and responsibilities are along with land use rules, The Fair Housing Collaborative and more.  Rob is a wealth of information on these subjects and more.  Next, Shelly Wells The revers Mortgage Queen warns everyone about the many scams that are happening via phone calls and social media to steal money from seniors.  Scams include Fake Government Programs, Medicare Scams, Loved Ones in Peril and love/relationship scams, be aware and informed with this podcast!  Karen &amp; Janet... Girls On The Air 10th Anniversary Show!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/fggpwvzscrytj5vg/GOTA10262024.mp3" length="81779713" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet celebrate the 10th Anniversary of Girls On The Air with a show that features Ventura County Coastal Association of Realtors Governor of Affairs Director, Rob Leatherwood. Rob discusses rent control &amp; renters, what everyone's rights and responsibilities are along with land use rules, The Fair Housing Collaborative and more.  Rob is a wealth of information on these subjects and more.  Next, Shelly Wells The revers Mortgage Queen warns everyone about the many scams that are happening via phone calls and social media to steal money from seniors.  Scams include Fake Government Programs, Medicare Scams, Loved Ones in Peril and love/relationship scams, be aware and informed with this podcast!  Karen &amp; Janet... Girls On The Air 10th Anniversary Show!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3407</itunes:duration>
                <itunes:episode>327</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>First Time Buyers &amp; How To Get Financing! Opportunities Are Here, Count Yourself In Not Out!</title>
        <itunes:title>First Time Buyers &amp; How To Get Financing! Opportunities Are Here, Count Yourself In Not Out!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/first-time-buyers-how-to-get-financing-opportunities-are-here-count-yourself-in-not-out/</link>
                    <comments>https://girlsontheair.podbean.com/e/first-time-buyers-how-to-get-financing-opportunities-are-here-count-yourself-in-not-out/#comments</comments>        <pubDate>Sat, 19 Oct 2024 14:50:08 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/b42e1ff2-35fc-312e-b619-e8585d1cbd47</guid>
                                    <description><![CDATA[<p>Janet and her special guest host Michael Robb talk to the experts on how first time home buyers and Veterans can qualify for the purchase of a home in Ventura County Right Now!  The podcast starts with buying and rental opportunities in Ventura County. Their first guest, Joe Parisi, tells you how loans with 0% down are available. Joe describes how people have the wrong mindset due to misinformation. Joe changes your mindset with facts!  Next is Denise Pomboonreung with Paladin Professional Insurance Solutions. Denise talks about the main insurance myths regarding insuring a condo or home, insurance can make or break a real estate transaction, learn the truth with Denise.  Janet &amp; Michael wrap up the podcast with Dee Koger of Cruise Planners.  Find your next "Relaxacation" with Dee, from beautiful cruises along our coast to adventurous European and cruises around Mexico.  Dee is the expert!  Another awesome podcast from Girls On The Air and special guest host Michael Robb!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Janet and her special guest host Michael Robb talk to the experts on how first time home buyers and Veterans can qualify for the purchase of a home in Ventura County Right Now!  The podcast starts with buying and rental opportunities in Ventura County. Their first guest, Joe Parisi, tells you how loans with 0% down are available. Joe describes how people have the wrong mindset due to misinformation. Joe changes your mindset with facts!  Next is Denise Pomboonreung with Paladin Professional Insurance Solutions. Denise talks about the main insurance myths regarding insuring a condo or home, insurance can make or break a real estate transaction, learn the truth with Denise.  Janet &amp; Michael wrap up the podcast with Dee Koger of Cruise Planners.  Find your next "Relaxacation" with Dee, from beautiful cruises along our coast to adventurous European and cruises around Mexico.  Dee is the expert!  Another awesome podcast from Girls On The Air and special guest host Michael Robb!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/yvb9f6tfvxv9hsdh/GOTA10192024.mp3" length="80780929" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Janet and her special guest host Michael Robb talk to the experts on how first time home buyers and Veterans can qualify for the purchase of a home in Ventura County Right Now!  The podcast starts with buying and rental opportunities in Ventura County. Their first guest, Joe Parisi, tells you how loans with 0% down are available. Joe describes how people have the wrong mindset due to misinformation. Joe changes your mindset with facts!  Next is Denise Pomboonreung with Paladin Professional Insurance Solutions. Denise talks about the main insurance myths regarding insuring a condo or home, insurance can make or break a real estate transaction, learn the truth with Denise.  Janet &amp; Michael wrap up the podcast with Dee Koger of Cruise Planners.  Find your next "Relaxacation" with Dee, from beautiful cruises along our coast to adventurous European and cruises around Mexico.  Dee is the expert!  Another awesome podcast from Girls On The Air and special guest host Michael Robb!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3365</itunes:duration>
                <itunes:episode>326</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Awesome Rental &amp; Buying Opportunities, Conversations On Avoiding SCAMS &amp; Lynn From The Greek In The Ventura Harbor With Halloween Fun!</title>
        <itunes:title>Awesome Rental &amp; Buying Opportunities, Conversations On Avoiding SCAMS &amp; Lynn From The Greek In The Ventura Harbor With Halloween Fun!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/awesome-rental-buying-opportunities-conversations-on-avoiding-scams-lynn-from-the-greek-in-the-ventura-harbor-with-halloween-fun/</link>
                    <comments>https://girlsontheair.podbean.com/e/awesome-rental-buying-opportunities-conversations-on-avoiding-scams-lynn-from-the-greek-in-the-ventura-harbor-with-halloween-fun/#comments</comments>        <pubDate>Sat, 12 Oct 2024 12:36:35 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/ead66597-9d90-3a0e-84d6-c3dd3820b6e4</guid>
                                    <description><![CDATA[<p class="p1">Karen &amp; Janet start this podcast with excellent buying opportunities &amp; rentals that are available in Ventura County. Their first guest, Derek Contreras, of Smart Home Financial has numerous ways that people can qualify for loans.  Derek finds the program that fits your needs.  Former Police Officer John Good cautions listeners on the many scam artists who are out there to take your money with cons on social media and your phone, a must listen.  Then Lynn from The Greek at The Harbor gives the rundown on the Halloween events happening at the Greek &amp; throughout The Harbor, lots of frightful fun and the best Greek Food in Ventura County!.  Janet &amp; Karen wrap up this podcast with a look at ballot initiatives that affect buyers, renters, homeowners &amp; landlords, information you need to hear from the experts, Girls On The Air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p class="p1">Karen &amp; Janet start this podcast with excellent buying opportunities &amp; rentals that are available in Ventura County. Their first guest, Derek Contreras, of Smart Home Financial has numerous ways that people can qualify for loans.  Derek finds the program that fits your needs.  Former Police Officer John Good cautions listeners on the many scam artists who are out there to take your money with cons on social media and your phone, a must listen.  Then Lynn from The Greek at The Harbor gives the rundown on the Halloween events happening at the Greek &amp; throughout The Harbor, lots of frightful fun and the best Greek Food in Ventura County!.  Janet &amp; Karen wrap up this podcast with a look at ballot initiatives that affect buyers, renters, homeowners &amp; landlords, information you need to hear from the experts, Girls On The Air!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/njcfssmui2mgwmfn/GOTA10122024.mp3" length="81283777" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet start this podcast with excellent buying opportunities &amp; rentals that are available in Ventura County. Their first guest, Derek Contreras, of Smart Home Financial has numerous ways that people can qualify for loans.  Derek finds the program that fits your needs.  Former Police Officer John Good cautions listeners on the many scam artists who are out there to take your money with cons on social media and your phone, a must listen.  Then Lynn from The Greek at The Harbor gives the rundown on the Halloween events happening at the Greek &amp; throughout The Harbor, lots of frightful fun and the best Greek Food in Ventura County!.  Janet &amp; Karen wrap up this podcast with a look at ballot initiatives that affect buyers, renters, homeowners &amp; landlords, information you need to hear from the experts, Girls On The Air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3386</itunes:duration>
                <itunes:episode>325</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Great Rates &amp; Buying Programs, Celebration of Books, Rocking Website Designs &amp; Happenings At The Museum of Ventura County!</title>
        <itunes:title>Great Rates &amp; Buying Programs, Celebration of Books, Rocking Website Designs &amp; Happenings At The Museum of Ventura County!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/great-rates-buying-programs-celebration-of-books-rocking-website-designs-happenings-at-the-museum-of-ventura-county/</link>
                    <comments>https://girlsontheair.podbean.com/e/great-rates-buying-programs-celebration-of-books-rocking-website-designs-happenings-at-the-museum-of-ventura-county/#comments</comments>        <pubDate>Sat, 05 Oct 2024 12:31:40 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/c4ef1549-2bd3-3872-aa1e-c540ef435c9c</guid>
                                    <description><![CDATA[<p>Karen with her special guest host Lorine have another awesome podcast!  They start out with Larry Reyes of Smart Home Mortgage who has numerous home buying products to talk about, VA, USDA &amp; teacher &amp; first responder programs, learn about them from Larry! Next The Girls hit the books to help out with the library with guests Kathy Long &amp; Mary Rees, they will tell you all about Ventura County's Celebration Of Books at CSUCI.  Justin Soenke brings his years of website expertise to the podcast, Justin will take an existing website and optimize it to make you business phone ring, or for those of you who do not have a website for your business he will create an awesome site that will hit the ground running.  Heather Williams from the Museum of Ventura County wraps up the podcast with a look at the activities that are going on in The City of Ventura and The Santa Paula Agricultural Museum too!  Another incredible podcast with Girls On The Air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen with her special guest host Lorine have another awesome podcast!  They start out with Larry Reyes of Smart Home Mortgage who has numerous home buying products to talk about, VA, USDA &amp; teacher &amp; first responder programs, learn about them from Larry! Next The Girls hit the books to help out with the library with guests Kathy Long &amp; Mary Rees, they will tell you all about Ventura County's Celebration Of Books at CSUCI.  Justin Soenke brings his years of website expertise to the podcast, Justin will take an existing website and optimize it to make you business phone ring, or for those of you who do not have a website for your business he will create an awesome site that will hit the ground running.  Heather Williams from the Museum of Ventura County wraps up the podcast with a look at the activities that are going on in The City of Ventura and The Santa Paula Agricultural Museum too!  Another incredible podcast with Girls On The Air!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/xh93f6vbwn9n3tjp/GOTA10052024.mp3" length="81219841" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen with her special guest host Lorine have another awesome podcast!  They start out with Larry Reyes of Smart Home Mortgage who has numerous home buying products to talk about, VA, USDA &amp; teacher &amp; first responder programs, learn about them from Larry! Next The Girls hit the books to help out with the library with guests Kathy Long &amp; Mary Rees, they will tell you all about Ventura County's Celebration Of Books at CSUCI.  Justin Soenke brings his years of website expertise to the podcast, Justin will take an existing website and optimize it to make you business phone ring, or for those of you who do not have a website for your business he will create an awesome site that will hit the ground running.  Heather Williams from the Museum of Ventura County wraps up the podcast with a look at the activities that are going on in The City of Ventura and The Santa Paula Agricultural Museum too!  Another incredible podcast with Girls On The Air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3383</itunes:duration>
                <itunes:episode>324</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Rates, Probates, Ways To Alleviate Tech Stress, Reiki Plus a Night to Remember At The Water's Edge!</title>
        <itunes:title>Rates, Probates, Ways To Alleviate Tech Stress, Reiki Plus a Night to Remember At The Water's Edge!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/rates-probates-ways-to-alleviate-tech-stress-reiki-plus-a-night-to-remember-at-the-waters-edge/</link>
                    <comments>https://girlsontheair.podbean.com/e/rates-probates-ways-to-alleviate-tech-stress-reiki-plus-a-night-to-remember-at-the-waters-edge/#comments</comments>        <pubDate>Sat, 28 Sep 2024 12:22:39 -0700</pubDate>
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                                    <description><![CDATA[<p>Karen &amp; Janet kick-off this podcast with Joe Parisi who talks about rate drops and how the short &amp; long term rates affect you, Joe also has the inside look at loan programs for first time buyers.  Jessica Henderson from J. Henderson Law is next with a focus on Special Needs children and how you need very specific language to ensure them a secure life.  Karen &amp; Janet welcome Megan Palmquist to the podcast, Megan helps folks alleviate technology overwhelm showing you how to use real tech that helps you with your life and business.  Shannon Vasquez, our reiki practitioner invites listeners to The Women's Wellness conference that  converts you into a Wellness Warrior so deal with everyday stresses and successes!  Bob Davis invites you to October's First Wednesday Party on October First at The Water's Edge, this Wednesday benefits A Night To Remember... Another Awesome Podcast with Karen &amp; Janet!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet kick-off this podcast with Joe Parisi who talks about rate drops and how the short &amp; long term rates affect you, Joe also has the inside look at loan programs for first time buyers.  Jessica Henderson from J. Henderson Law is next with a focus on Special Needs children and how you need very specific language to ensure them a secure life.  Karen &amp; Janet welcome Megan Palmquist to the podcast, Megan helps folks alleviate technology overwhelm showing you how to use real tech that helps you with your life and business.  Shannon Vasquez, our reiki practitioner invites listeners to The Women's Wellness conference that  converts you into a Wellness Warrior so deal with everyday stresses and successes!  Bob Davis invites you to October's First Wednesday Party on October First at The Water's Edge, this Wednesday benefits A Night To Remember... Another Awesome Podcast with Karen &amp; Janet!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/vszqqbex4jpja4mw/GOTA09282024.mp3" length="81259009" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet kick-off this podcast with Joe Parisi who talks about rate drops and how the short &amp; long term rates affect you, Joe also has the inside look at loan programs for first time buyers.  Jessica Henderson from J. Henderson Law is next with a focus on Special Needs children and how you need very specific language to ensure them a secure life.  Karen &amp; Janet welcome Megan Palmquist to the podcast, Megan helps folks alleviate technology overwhelm showing you how to use real tech that helps you with your life and business.  Shannon Vasquez, our reiki practitioner invites listeners to The Women's Wellness conference that  converts you into a Wellness Warrior so deal with everyday stresses and successes!  Bob Davis invites you to October's First Wednesday Party on October First at The Water's Edge, this Wednesday benefits A Night To Remember... Another Awesome Podcast with Karen &amp; Janet!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3385</itunes:duration>
                <itunes:episode>323</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>Lower Rates For Home Buyers, Awesome Rentals, Reverse Mortgage Tips, SCORE For Businesses Plus, Is An ADU For You?</title>
        <itunes:title>Lower Rates For Home Buyers, Awesome Rentals, Reverse Mortgage Tips, SCORE For Businesses Plus, Is An ADU For You?</itunes:title>
        <link>https://girlsontheair.podbean.com/e/lower-rates-for-home-buyers-awesome-rentals-reverse-mortgage-tips-score-for-businesses-plus-is-an-adu-for-you/</link>
                    <comments>https://girlsontheair.podbean.com/e/lower-rates-for-home-buyers-awesome-rentals-reverse-mortgage-tips-score-for-businesses-plus-is-an-adu-for-you/#comments</comments>        <pubDate>Sat, 21 Sep 2024 12:33:02 -0700</pubDate>
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                                    <description><![CDATA[<p>Janet &amp; Karen start this podcast off with some incredible buying and rental opportunities in Ventura County, if you're looking to sell, purchase or rent... this podcast is for you!  First up, The Reverse Mortgage Queen is back with a few very important tips on Reverse Mortgages and why it is essential to have a professional like Shelly Wells guiding you through everything from junk mail to HOA fees, taxes and insurance for those who take on a reverse mortgage.  For business people, Paul Hunt representing SCORE is a must-listen.  Paul is a professional who along with many others use their years of experience to help local businesses navigate through these challenging times and make their business a success.  Arturo Hernandez of Central Coast ADU's will show you what ADU best fits you on your property.  There are a number of ADU's to consider and his years of experience will show you the one that fits your property and goals the best.  Girls On The Air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Janet &amp; Karen start this podcast off with some incredible buying and rental opportunities in Ventura County, if you're looking to sell, purchase or rent... this podcast is for you!  First up, The Reverse Mortgage Queen is back with a few very important tips on Reverse Mortgages and why it is essential to have a professional like Shelly Wells guiding you through everything from junk mail to HOA fees, taxes and insurance for those who take on a reverse mortgage.  For business people, Paul Hunt representing SCORE is a must-listen.  Paul is a professional who along with many others use their years of experience to help local businesses navigate through these challenging times and make their business a success.  Arturo Hernandez of Central Coast ADU's will show you what ADU best fits you on your property.  There are a number of ADU's to consider and his years of experience will show you the one that fits your property and goals the best.  Girls On The Air!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/y8mvtqqsxpy52n6e/GOTA09212024.mp3" length="80791873" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Janet &amp; Karen start this podcast off with some incredible buying and rental opportunities in Ventura County, if you're looking to sell, purchase or rent... this podcast is for you!  First up, The Reverse Mortgage Queen is back with a few very important tips on Reverse Mortgages and why it is essential to have a professional like Shelly Wells guiding you through everything from junk mail to HOA fees, taxes and insurance for those who take on a reverse mortgage.  For business people, Paul Hunt representing SCORE is a must-listen.  Paul is a professional who along with many others use their years of experience to help local businesses navigate through these challenging times and make their business a success.  Arturo Hernandez of Central Coast ADU's will show you what ADU best fits you on your property.  There are a number of ADU's to consider and his years of experience will show you the one that fits your property and goals the best.  Girls On The Air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3366</itunes:duration>
                <itunes:episode>322</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>Great News On Rates, Wheels To Shine, Port Hueneme Lions Club &amp; Details On The GOTA Real Estate Investment Forum!</title>
        <itunes:title>Great News On Rates, Wheels To Shine, Port Hueneme Lions Club &amp; Details On The GOTA Real Estate Investment Forum!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/great-news-on-rates-wheels-to-shine-port-hueneme-lions-club-details-on-the-gota-real-estate-investment-forum/</link>
                    <comments>https://girlsontheair.podbean.com/e/great-news-on-rates-wheels-to-shine-port-hueneme-lions-club-details-on-the-gota-real-estate-investment-forum/#comments</comments>        <pubDate>Sat, 07 Sep 2024 16:27:59 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/c1d2ec63-a222-3aa2-8e3b-9e4974e08ccd</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet kick off this podcast with Joe Parisi who has great news on rates &amp; will go over insurance issues buying opportunities and more.  Next up JR from Concours Motors talking about their Wheels To Shine Program where one deserving Ventura County resident will win a beautifully maintained Mercedes to make their life so much easier, tune in for details on this incredible opportunity and how you can help make someone a winner!  The Port Hueneme Lions Club is up next with Claudia Navarro inviting listeners to join the club and get involved with awesome community events, like this weekend's Port Hueneme Beach Festival.  Karen &amp; Janet wrap up this podcast with details on their Girls On The Air Investment Forum on September 14th.  Information on everything from 1031 Exchange Programs, A Lender's Panel, ADU's Revers Mortgages and more, Breakfast &amp; Lunch will be served!  Another amazing podcast with Karen &amp; Janet.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet kick off this podcast with Joe Parisi who has great news on rates &amp; will go over insurance issues buying opportunities and more.  Next up JR from Concours Motors talking about their Wheels To Shine Program where one deserving Ventura County resident will win a beautifully maintained Mercedes to make their life so much easier, tune in for details on this incredible opportunity and how you can help make someone a winner!  The Port Hueneme Lions Club is up next with Claudia Navarro inviting listeners to join the club and get involved with awesome community events, like this weekend's Port Hueneme Beach Festival.  Karen &amp; Janet wrap up this podcast with details on their Girls On The Air Investment Forum on September 14th.  Information on everything from 1031 Exchange Programs, A Lender's Panel, ADU's Revers Mortgages and more, Breakfast &amp; Lunch will be served!  Another amazing podcast with Karen &amp; Janet.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/6wbugetyu2e9uctv/GOTA09072024.mp3" length="81139201" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet kick off this podcast with Joe Parisi who has great news on rates &amp; will go over insurance issues buying opportunities and more.  Next up JR from Concours Motors talking about their Wheels To Shine Program where one deserving Ventura County resident will win a beautifully maintained Mercedes to make their life so much easier, tune in for details on this incredible opportunity and how you can help make someone a winner!  The Port Hueneme Lions Club is up next with Claudia Navarro inviting listeners to join the club and get involved with awesome community events, like this weekend's Port Hueneme Beach Festival.  Karen &amp; Janet wrap up this podcast with details on their Girls On The Air Investment Forum on September 14th.  Information on everything from 1031 Exchange Programs, A Lender's Panel, ADU's Revers Mortgages and more, Breakfast &amp; Lunch will be served!  Another amazing podcast with Karen &amp; Janet.]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3380</itunes:duration>
                <itunes:episode>321</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>Reverse Mortgages, VA Loans, Investment Opportunities &amp; Travel With Karen, Janet &amp; Their Very Special Guests!</title>
        <itunes:title>Reverse Mortgages, VA Loans, Investment Opportunities &amp; Travel With Karen, Janet &amp; Their Very Special Guests!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/reverse-mortgages-va-loans-investment-opportunities-travel-with-karen-janet-their-very-special-guests/</link>
                    <comments>https://girlsontheair.podbean.com/e/reverse-mortgages-va-loans-investment-opportunities-travel-with-karen-janet-their-very-special-guests/#comments</comments>        <pubDate>Sat, 31 Aug 2024 12:24:01 -0700</pubDate>
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                                    <description><![CDATA[<p>This week's GOTA Podcast starts with Karen &amp; Janet highlighted purchase, rental and investment opportunities in Ventura County.  Their first gues is a GOTA favorite, Shelly Wells "The Queen of Reverse Mortgages" Shelly will tell you all the advantages of a revers mortgage, how they have changed over the years and the many myths surrounding reverse mortgages.  The podcast continues with 2 guests who are Veterans, Jeff Wyttenbach &amp; Mike Robb served our country and are now helping fellow veterans to get the right VA Loans.  Every Veteran needs to listen to Jeff &amp; Mike, vital info for all of those who served!  Karen &amp; Janet wrap up the podcast with a few wonderful cruise opportunities, at a fantastic price Dee Koger of Relaxacations will get you on the best vacation at a fabulous price.  A must-hear podcast from Janet &amp; Karen!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This week's GOTA Podcast starts with Karen &amp; Janet highlighted purchase, rental and investment opportunities in Ventura County.  Their first gues is a GOTA favorite, Shelly Wells "The Queen of Reverse Mortgages" Shelly will tell you all the advantages of a revers mortgage, how they have changed over the years and the many myths surrounding reverse mortgages.  The podcast continues with 2 guests who are Veterans, Jeff Wyttenbach &amp; Mike Robb served our country and are now helping fellow veterans to get the right VA Loans.  Every Veteran needs to listen to Jeff &amp; Mike, vital info for all of those who served!  Karen &amp; Janet wrap up the podcast with a few wonderful cruise opportunities, at a fantastic price Dee Koger of Relaxacations will get you on the best vacation at a fabulous price.  A must-hear podcast from Janet &amp; Karen!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/5vukwby458mtrkba/gota8312024.mp3" length="81077569" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This week's GOTA Podcast starts with Karen &amp; Janet highlighted purchase, rental and investment opportunities in Ventura County.  Their first gues is a GOTA favorite, Shelly Wells "The Queen of Reverse Mortgages" Shelly will tell you all the advantages of a revers mortgage, how they have changed over the years and the many myths surrounding reverse mortgages.  The podcast continues with 2 guests who are Veterans, Jeff Wyttenbach &amp; Mike Robb served our country and are now helping fellow veterans to get the right VA Loans.  Every Veteran needs to listen to Jeff &amp; Mike, vital info for all of those who served!  Karen &amp; Janet wrap up the podcast with a few wonderful cruise opportunities, at a fantastic price Dee Koger of Relaxacations will get you on the best vacation at a fabulous price.  A must-hear podcast from Janet &amp; Karen!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3377</itunes:duration>
                <itunes:episode>320</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Rates Are In The 5's, Buying &amp; Rental Opportunities In Ventura &amp; Carpenteria, Meditations Plus Great Cruise Opportunities!</title>
        <itunes:title>Rates Are In The 5's, Buying &amp; Rental Opportunities In Ventura &amp; Carpenteria, Meditations Plus Great Cruise Opportunities!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/rates-are-in-the-5s-buying-rental-opportunities-in-ventura-carpenteria-meditations-plus-great-cruise-opportunities/</link>
                    <comments>https://girlsontheair.podbean.com/e/rates-are-in-the-5s-buying-rental-opportunities-in-ventura-carpenteria-meditations-plus-great-cruise-opportunities/#comments</comments>        <pubDate>Sat, 24 Aug 2024 12:26:53 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/801c9aa8-3b75-3be4-919d-31d7d27ba97c</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet have an awesome line-up for this podcast!  They start with rental &amp; Buying opportunities and talk about their Real Estate Investment Forum that is coming up. Larry Reyes has incredible news on rates Carolyn Triebold answers important questions about the need to go with a seasoned pro when it comes to finding the right broker.  Andi Girl invites you to meditate with her 105 Day Purification Program and they wrap up the podcast with cruise opportunities as Dee Kroeger joins the show and invites you to her Empty Nest Travel Club!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet have an awesome line-up for this podcast!  They start with rental &amp; Buying opportunities and talk about their Real Estate Investment Forum that is coming up. Larry Reyes has incredible news on rates Carolyn Triebold answers important questions about the need to go with a seasoned pro when it comes to finding the right broker.  Andi Girl invites you to meditate with her 105 Day Purification Program and they wrap up the podcast with cruise opportunities as Dee Kroeger joins the show and invites you to her Empty Nest Travel Club!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/7dwctiby5e69msis/GOTA08242024.mp3" length="81277441" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet have an awesome line-up for this podcast!  They start with rental &amp; Buying opportunities and talk about their Real Estate Investment Forum that is coming up. Larry Reyes has incredible news on rates Carolyn Triebold answers important questions about the need to go with a seasoned pro when it comes to finding the right broker.  Andi Girl invites you to meditate with her 105 Day Purification Program and they wrap up the podcast with cruise opportunities as Dee Kroeger joins the show and invites you to her Empty Nest Travel Club!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3386</itunes:duration>
                <itunes:episode>319</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>Rates Are Down - Sea Levels Are up - Public Art &amp; Murals Are All Around &amp; The Real Estate Conference Is Coming Up!</title>
        <itunes:title>Rates Are Down - Sea Levels Are up - Public Art &amp; Murals Are All Around &amp; The Real Estate Conference Is Coming Up!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/rates-are-down-sea-levels-are-up-public-art-murals-are-all-around-the-real-estate-conference-is-coming-up/</link>
                    <comments>https://girlsontheair.podbean.com/e/rates-are-down-sea-levels-are-up-public-art-murals-are-all-around-the-real-estate-conference-is-coming-up/#comments</comments>        <pubDate>Sat, 17 Aug 2024 15:01:08 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/b2ab258e-5e59-3262-83e3-d74a68455ecb</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet kick off this podcast with fabulous rentals in Ventura &amp; Carpinteria and a 10 unit apartment that is for sale that would make a great investment for a buyer.  Joe Parisi with Guaranteed Rate Mortgage has great news on rates and refinancing too.  Marta Golden Brown works with a non profit that educates land owners on the beach about sea levels rising and what they need to know, a fascinating conversation! The Janet &amp; Karen chat with Carly Veronica, a muralist who has traveled the world studying art and creating beautiful murals who now resides in Ventura bringing her talents to beautify our city!  Another awesome podcast with Karen &amp; Janet!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet kick off this podcast with fabulous rentals in Ventura &amp; Carpinteria and a 10 unit apartment that is for sale that would make a great investment for a buyer.  Joe Parisi with Guaranteed Rate Mortgage has great news on rates and refinancing too.  Marta Golden Brown works with a non profit that educates land owners on the beach about sea levels rising and what they need to know, a fascinating conversation! The Janet &amp; Karen chat with Carly Veronica, a muralist who has traveled the world studying art and creating beautiful murals who now resides in Ventura bringing her talents to beautify our city!  Another awesome podcast with Karen &amp; Janet!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/8nqsvd89hpv6h8z4/gota08172024.mp3" length="80753771" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet kick off this podcast with fabulous rentals in Ventura &amp; Carpinteria and a 10 unit apartment that is for sale that would make a great investment for a buyer.  Joe Parisi with Guaranteed Rate Mortgage has great news on rates and refinancing too.  Marta Golden Brown works with a non profit that educates land owners on the beach about sea levels rising and what they need to know, a fascinating conversation! The Janet &amp; Karen chat with Carly Veronica, a muralist who has traveled the world studying art and creating beautiful murals who now resides in Ventura bringing her talents to beautify our city!  Another awesome podcast with Karen &amp; Janet!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3364</itunes:duration>
                <itunes:episode>318</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
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    <item>
        <title>This Podcast Helps Kids Get Back To School, Learn About Reverse Mortgages Too, Gets Your Business Website Up-To-Speed &amp; Makes Your Next Move EZ!</title>
        <itunes:title>This Podcast Helps Kids Get Back To School, Learn About Reverse Mortgages Too, Gets Your Business Website Up-To-Speed &amp; Makes Your Next Move EZ!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/this-podcast-helps-kids-get-back-to-school-learn-about-reverse-mortgages-too-gets-your-business-website-up-to-speed-makes-your-next-move-ez/</link>
                    <comments>https://girlsontheair.podbean.com/e/this-podcast-helps-kids-get-back-to-school-learn-about-reverse-mortgages-too-gets-your-business-website-up-to-speed-makes-your-next-move-ez/#comments</comments>        <pubDate>Sat, 10 Aug 2024 12:38:03 -0700</pubDate>
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                                    <description><![CDATA[<p>Karen and her special guest host, Lorine from WellRive welcome Margaret Dunlevy of The Downtown Ventura Lions to talk about getting kids back to school with the supplies they need, The Lions, along with The Rotary, are creating 800 backpacks to help kids with the school supplies they need... next up, our very own Queen of Reverse Mortgages,Shelly Wells talks about the many ways reverse mortgages make your life easier, Shelly has numerous stories on how a reverse mortgage has made her clients lives easier.  Justin Soenke with Phase 3 Websites has awesome ways that you can use to create or update a website that brings customers to your business and gets that phone ringing.  Lorine closes out the podcast with ways WellRive makes your next move as easy as possible. Learn about the 3 sticker system when it comes to your belongings and how estate sales need to be handled.  Another incredible podcast from Girls On The Air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen and her special guest host, Lorine from WellRive welcome Margaret Dunlevy of The Downtown Ventura Lions to talk about getting kids back to school with the supplies they need, The Lions, along with The Rotary, are creating 800 backpacks to help kids with the school supplies they need... next up, our very own Queen of Reverse Mortgages,Shelly Wells talks about the many ways reverse mortgages make your life easier, Shelly has numerous stories on how a reverse mortgage has made her clients lives easier.  Justin Soenke with Phase 3 Websites has awesome ways that you can use to create or update a website that brings customers to your business and gets that phone ringing.  Lorine closes out the podcast with ways WellRive makes your next move as easy as possible. Learn about the 3 sticker system when it comes to your belongings and how estate sales need to be handled.  Another incredible podcast from Girls On The Air!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/gv3zbvgti9hy6a6v/GOTA08102024.mp3" length="81744577" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen and her special guest host, Lorine from WellRive welcome Margaret Dunlevy of The Downtown Ventura Lions to talk about getting kids back to school with the supplies they need, The Lions, along with The Rotary, are creating 800 backpacks to help kids with the school supplies they need... next up, our very own Queen of Reverse Mortgages,Shelly Wells talks about the many ways reverse mortgages make your life easier, Shelly has numerous stories on how a reverse mortgage has made her clients lives easier.  Justin Soenke with Phase 3 Websites has awesome ways that you can use to create or update a website that brings customers to your business and gets that phone ringing.  Lorine closes out the podcast with ways WellRive makes your next move as easy as possible. Learn about the 3 sticker system when it comes to your belongings and how estate sales need to be handled.  Another incredible podcast from Girls On The Air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3405</itunes:duration>
                <itunes:episode>317</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Relocation Services, Lower Rates, Moving plus Home Warranties...This GOTA Podcast is Moving You In The Right Direction.</title>
        <itunes:title>Relocation Services, Lower Rates, Moving plus Home Warranties...This GOTA Podcast is Moving You In The Right Direction.</itunes:title>
        <link>https://girlsontheair.podbean.com/e/relocation-services-lower-rates-moving-plus-home-warrantiesthis-gota-podcast-is-moving-you-in-the-right-direction/</link>
                    <comments>https://girlsontheair.podbean.com/e/relocation-services-lower-rates-moving-plus-home-warrantiesthis-gota-podcast-is-moving-you-in-the-right-direction/#comments</comments>        <pubDate>Sat, 03 Aug 2024 15:10:37 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/51ec6c3b-7dd3-33d7-a61b-6dce664d51af</guid>
                                    <description><![CDATA[<p>Karen &amp; guest host Lorine from WellRive have an awesome podcast with Larry Reyes and his great news that rates have gone down and there are some incredible programs for first responders &amp; teachers to buy a new home.  Callum Dunn is up next to tell us about the history of Meathead Movers and how student athletes make your move the best possible at very competitive rates. Tamera Molina with Choice Home Warranty talks about the need to discuss a warranty on appliances before closing and  Lorine introduces us to WellRive, the company that organizes your next move like a wedding planner, when you get the facts on WellRive you will know they are the one's to help you organize and design your next move!  Another great Girls On The Air Podcast!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; guest host Lorine from WellRive have an awesome podcast with Larry Reyes and his great news that rates have gone down and there are some incredible programs for first responders &amp; teachers to buy a new home.  Callum Dunn is up next to tell us about the history of Meathead Movers and how student athletes make your move the best possible at very competitive rates. Tamera Molina with Choice Home Warranty talks about the need to discuss a warranty on appliances before closing and  Lorine introduces us to WellRive, the company that organizes your next move like a wedding planner, when you get the facts on WellRive you will know they are the one's to help you organize and design your next move!  Another great Girls On The Air Podcast!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/mnhxumbs29xb2aqd/gota08032024.mp3" length="81356353" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; guest host Lorine from WellRive have an awesome podcast with Larry Reyes and his great news that rates have gone down and there are some incredible programs for first responders &amp; teachers to buy a new home.  Callum Dunn is up next to tell us about the history of Meathead Movers and how student athletes make your move the best possible at very competitive rates. Tamera Molina with Choice Home Warranty talks about the need to discuss a warranty on appliances before closing and  Lorine introduces us to WellRive, the company that organizes your next move like a wedding planner, when you get the facts on WellRive you will know they are the one's to help you organize and design your next move!  Another great Girls On The Air Podcast!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3389</itunes:duration>
                <itunes:episode>316</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Karen &amp; Janet Have You Covered With This GOTA Podcast That's All About Insurance... And A Little Bit More!</title>
        <itunes:title>Karen &amp; Janet Have You Covered With This GOTA Podcast That's All About Insurance... And A Little Bit More!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/karen-janet-have-you-covered-with-this-gota-podcast-thats-all-about-insurance-and-a-little-bit-more/</link>
                    <comments>https://girlsontheair.podbean.com/e/karen-janet-have-you-covered-with-this-gota-podcast-thats-all-about-insurance-and-a-little-bit-more/#comments</comments>        <pubDate>Sat, 27 Jul 2024 13:50:09 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/ce408fa7-16b5-3761-83fa-69c92f93a858</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet start off with home buying opportunities and rentals too, many beautiful places in the Ventura area... On this podcast the girls bring in the experts to talk about insurance. Joe Parisi with Guaranteed rate Mortgage is the first up to tell us about rates going down a bit and a big jobs report this Friday.  There are many new programs that help too, like My Home Loan, Joe has the details on this program and more.  Andres and Denise are next with Paladin Professional Insurance Solutions recommend that buyers look into insurance for their new home before the purchase.  Drones are used to view roofs for hazards like fires be informed with the experts at Paladin.  Janet &amp; Karen have you covered on this entertaining podcast about insurance... and a little bit more!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet start off with home buying opportunities and rentals too, many beautiful places in the Ventura area... On this podcast the girls bring in the experts to talk about insurance. Joe Parisi with Guaranteed rate Mortgage is the first up to tell us about rates going down a bit and a big jobs report this Friday.  There are many new programs that help too, like My Home Loan, Joe has the details on this program and more.  Andres and Denise are next with Paladin Professional Insurance Solutions recommend that buyers look into insurance for their new home before the purchase.  Drones are used to view roofs for hazards like fires be informed with the experts at Paladin.  Janet &amp; Karen have you covered on this entertaining podcast about insurance... and a little bit more!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/rxg8ifc6mc3qbzkq/GOTA07272024.mp3" length="81264769" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet start off with home buying opportunities and rentals too, many beautiful places in the Ventura area... On this podcast the girls bring in the experts to talk about insurance. Joe Parisi with Guaranteed rate Mortgage is the first up to tell us about rates going down a bit and a big jobs report this Friday.  There are many new programs that help too, like My Home Loan, Joe has the details on this program and more.  Andres and Denise are next with Paladin Professional Insurance Solutions recommend that buyers look into insurance for their new home before the purchase.  Drones are used to view roofs for hazards like fires be informed with the experts at Paladin.  Janet &amp; Karen have you covered on this entertaining podcast about insurance... and a little bit more!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3385</itunes:duration>
                <itunes:episode>315</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>People, Product &amp; Pricing, 3 Things Owners &amp; Buyers Need To Know, Plus Is An ADU Right For You? Find Out With Karen &amp; Janet!</title>
        <itunes:title>People, Product &amp; Pricing, 3 Things Owners &amp; Buyers Need To Know, Plus Is An ADU Right For You? Find Out With Karen &amp; Janet!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/people-product-pricing-3-things-owners-buyers-need-to-know-plus-is-an-adu-right-for-you-find-out-with-karen-janet/</link>
                    <comments>https://girlsontheair.podbean.com/e/people-product-pricing-3-things-owners-buyers-need-to-know-plus-is-an-adu-right-for-you-find-out-with-karen-janet/#comments</comments>        <pubDate>Sat, 20 Jul 2024 12:28:07 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/ce4c52ba-1c99-3c0b-9b14-95403d362e82</guid>
                                    <description><![CDATA[<p>This podcast starts out with Karen &amp; Janet talking about buying and renting in Ventura County, It's all about People, Product &amp; Pricing along with an awesome realtor and property manager.  ADU's are a huge part of the real estate conversation these days and The Girls bring in the top experts, first Shelly Wells, the Reverse Mortgage Queen is back to talk about using a reverse mortgage to help you build your ADU, get all the details with Shelly!.  Next up from Central Coast ADU's, Art &amp; Arturo Hernandez hit the hot topics on timelines and understanding how to get the proper permits in Ventura County.  Each city has its own rules, Central Coast ADU's has the answers.  We finish up this in-depth look at ADU's with Seth Doherty owner of Latitude Survey, when you build an ADU the first thing you do is a survey, get it right form the start with Seth!  Another incredible podcast with Janet &amp; Karen!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This podcast starts out with Karen &amp; Janet talking about buying and renting in Ventura County, It's all about People, Product &amp; Pricing along with an awesome realtor and property manager.  ADU's are a huge part of the real estate conversation these days and The Girls bring in the top experts, first Shelly Wells, the Reverse Mortgage Queen is back to talk about using a reverse mortgage to help you build your ADU, get all the details with Shelly!.  Next up from Central Coast ADU's, Art &amp; Arturo Hernandez hit the hot topics on timelines and understanding how to get the proper permits in Ventura County.  Each city has its own rules, Central Coast ADU's has the answers.  We finish up this in-depth look at ADU's with Seth Doherty owner of Latitude Survey, when you build an ADU the first thing you do is a survey, get it right form the start with Seth!  Another incredible podcast with Janet &amp; Karen!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/xpftimxi6dkwjx7u/GOTA07212024.mp3" length="81542977" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This podcast starts out with Karen &amp; Janet talking about buying and renting in Ventura County, It's all about People, Product &amp; Pricing along with an awesome realtor and property manager.  ADU's are a huge part of the real estate conversation these days and The Girls bring in the top experts, first Shelly Wells, the Reverse Mortgage Queen is back to talk about using a reverse mortgage to help you build your ADU, get all the details with Shelly!.  Next up from Central Coast ADU's, Art &amp; Arturo Hernandez hit the hot topics on timelines and understanding how to get the proper permits in Ventura County.  Each city has its own rules, Central Coast ADU's has the answers.  We finish up this in-depth look at ADU's with Seth Doherty owner of Latitude Survey, when you build an ADU the first thing you do is a survey, get it right form the start with Seth!  Another incredible podcast with Janet &amp; Karen!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3397</itunes:duration>
                <itunes:episode>314</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Beachside Rentals From Ventura to Carpenteria, Big News For ADU's, Mortgage Rates Plus Frenchies at The Harbor's 4th Anniversary!</title>
        <itunes:title>Beachside Rentals From Ventura to Carpenteria, Big News For ADU's, Mortgage Rates Plus Frenchies at The Harbor's 4th Anniversary!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/beachside-rentals-from-ventura-to-carpenteria-big-news-for-adus-mortgage-rates-plus-frenchies-at-the-harbors-4th-anniversary/</link>
                    <comments>https://girlsontheair.podbean.com/e/beachside-rentals-from-ventura-to-carpenteria-big-news-for-adus-mortgage-rates-plus-frenchies-at-the-harbors-4th-anniversary/#comments</comments>        <pubDate>Sat, 13 Jul 2024 13:01:25 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/e34ce0ec-394b-3c36-8a48-ef5f8bb6ada8</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet talk about rental and buying opportunities right on the beach, these properties go fast so listen in to hear about the hot properties in Ventura County! Derek Contreras checks in with the latest rates and how the market is doing plus buying programs that fit just about everyone's needs... Julio Gomez is up next, our ADU expert there's a seminar coming up to talk about all aspects of ADU's, a great way to help with the housing shortage and increase the value of your home! The girls chat with Ryan Burns who has a classic home for sale in East Ventura, get the details on what could be your dream home with Ryan from Berkshire Hathaway.  We wrap up this podcast with Kristina Johnson, owner of Frenchies Nail Salon at The Ventura Harbor, celebrating their 4th anniversary for women and yes... men's manicures &amp; pedicures!  Another great podcast with Karen &amp; Janet!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet talk about rental and buying opportunities right on the beach, these properties go fast so listen in to hear about the hot properties in Ventura County! Derek Contreras checks in with the latest rates and how the market is doing plus buying programs that fit just about everyone's needs... Julio Gomez is up next, our ADU expert there's a seminar coming up to talk about all aspects of ADU's, a great way to help with the housing shortage and increase the value of your home! The girls chat with Ryan Burns who has a classic home for sale in East Ventura, get the details on what could be your dream home with Ryan from Berkshire Hathaway.  We wrap up this podcast with Kristina Johnson, owner of Frenchies Nail Salon at The Ventura Harbor, celebrating their 4th anniversary for women and yes... men's manicures &amp; pedicures!  Another great podcast with Karen &amp; Janet!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ea9i59tgaq8ckmak/GOTA07132024.mp3" length="81379066" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet talk about rental and buying opportunities right on the beach, these properties go fast so listen in to hear about the hot properties in Ventura County! Derek Contreras checks in with the latest rates and how the market is doing plus buying programs that fit just about everyone's needs... Julio Gomez is up next, our ADU expert there's a seminar coming up to talk about all aspects of ADU's, a great way to help with the housing shortage and increase the value of your home! The girls chat with Ryan Burns who has a classic home for sale in East Ventura, get the details on what could be your dream home with Ryan from Berkshire Hathaway.  We wrap up this podcast with Kristina Johnson, owner of Frenchies Nail Salon at The Ventura Harbor, celebrating their 4th anniversary for women and yes... men's manicures &amp; pedicures!  Another great podcast with Karen &amp; Janet!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3390</itunes:duration>
                <itunes:episode>313</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Awesome Rentals &amp; Homes For Sale At The Beach, Rates are steady, Time To Check The AC &amp; The City Center Christmas In July Party!</title>
        <itunes:title>Awesome Rentals &amp; Homes For Sale At The Beach, Rates are steady, Time To Check The AC &amp; The City Center Christmas In July Party!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/awesome-rentals-homes-for-sale-at-the-beach-rates-are-steady-time-to-check-the-ac-the-city-center-christmas-in-july-party/</link>
                    <comments>https://girlsontheair.podbean.com/e/awesome-rentals-homes-for-sale-at-the-beach-rates-are-steady-time-to-check-the-ac-the-city-center-christmas-in-july-party/#comments</comments>        <pubDate>Sat, 06 Jul 2024 12:27:13 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/3c90b20f-7fc4-3dc5-89e9-9459a9e2278d</guid>
                                    <description><![CDATA[<p>This GOTA Podcast tells you about rentals &amp; buying opportunities near our beautiful beaches with Karen &amp; Janet. Then Joe Parisi from Guaranteed Mortgage has good news on the rates and programs that help a wide variety of people purchase a home.  Tamera Molina talks about AC, be certain you check your AC to ensure it runs efficiently and that you know how to insure your AC, plumbing, electrical, roof and more in your home.  The final guests on this podcast are Bob Davis who tells you all about the most fun fundraiser for the summer, Christmas in July this Thursday at The Aqua Beachfront Bar at The Crowne Plaza which benefits The City Center.  Jim Duran is on the podcast too telling all of us about the program that breaks the cycle of dependency.  This program has a nearly 100% success rate and offers help to homeless families with NO Government assistance.  What a Podcast!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This GOTA Podcast tells you about rentals &amp; buying opportunities near our beautiful beaches with Karen &amp; Janet. Then Joe Parisi from Guaranteed Mortgage has good news on the rates and programs that help a wide variety of people purchase a home.  Tamera Molina talks about AC, be certain you check your AC to ensure it runs efficiently and that you know how to insure your AC, plumbing, electrical, roof and more in your home.  The final guests on this podcast are Bob Davis who tells you all about the most fun fundraiser for the summer, Christmas in July this Thursday at The Aqua Beachfront Bar at The Crowne Plaza which benefits The City Center.  Jim Duran is on the podcast too telling all of us about the program that breaks the cycle of dependency.  This program has a nearly 100% success rate and offers help to homeless families with NO Government assistance.  What a Podcast!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/37p7g345yayaijcb/gota07062024.mp3" length="80653633" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This GOTA Podcast tells you about rentals &amp; buying opportunities near our beautiful beaches with Karen &amp; Janet. Then Joe Parisi from Guaranteed Mortgage has good news on the rates and programs that help a wide variety of people purchase a home.  Tamera Molina talks about AC, be certain you check your AC to ensure it runs efficiently and that you know how to insure your AC, plumbing, electrical, roof and more in your home.  The final guests on this podcast are Bob Davis who tells you all about the most fun fundraiser for the summer, Christmas in July this Thursday at The Aqua Beachfront Bar at The Crowne Plaza which benefits The City Center.  Jim Duran is on the podcast too telling all of us about the program that breaks the cycle of dependency.  This program has a nearly 100% success rate and offers help to homeless families with NO Government assistance.  What a Podcast!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3360</itunes:duration>
                <itunes:episode>312</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Sizzling Summer Real Estate &amp; Rentals, Reverse Mortgages Fireworks On The Fourth &amp; Christmas In July!</title>
        <itunes:title>Sizzling Summer Real Estate &amp; Rentals, Reverse Mortgages Fireworks On The Fourth &amp; Christmas In July!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/sizzling-summer-real-estate-rentals-reverse-mortgages-fireworks-on-the-fourth-christmas-in-july/</link>
                    <comments>https://girlsontheair.podbean.com/e/sizzling-summer-real-estate-rentals-reverse-mortgages-fireworks-on-the-fourth-christmas-in-july/#comments</comments>        <pubDate>Sat, 29 Jun 2024 13:33:50 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/c2f20714-879c-367f-b74b-2486cab7f9a6</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet have a hot summertime podcast with a huge list of summer events and great real estate deals for renters &amp; buyers!  Their first guest is The Reverse Mortgage Queen Shelly Wells who is the expert when it comes to a reverse mortgage that fits your needs.  Maybe you use the cash for home improvements like a new roof or upgraded AC.  Shelly does reverse mortgages exclusively &amp; has helped many people in Ventura County stay in their homes.  Next we have Ken Leandro from The Ventura Rotary talking about the best Fourth of July Celebration in the area happening at Ventura College on The Fourth with music, a kid's zone, food trucks &amp; fireworks.  Find out more and how to get tickets on this podcast!.  Karen &amp; Janet's last guest is Bob Davis who is inviting everyone to "Christmas In July" at The Aqua Beachfront Bar at The Crown Plaza in Ventura.  A benefit for The City Center of Ventura,  Download this podcast and share it with your friends! </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet have a hot summertime podcast with a huge list of summer events and great real estate deals for renters &amp; buyers!  Their first guest is The Reverse Mortgage Queen Shelly Wells who is the expert when it comes to a reverse mortgage that fits your needs.  Maybe you use the cash for home improvements like a new roof or upgraded AC.  Shelly does reverse mortgages exclusively &amp; has helped many people in Ventura County stay in their homes.  Next we have Ken Leandro from The Ventura Rotary talking about the best Fourth of July Celebration in the area happening at Ventura College on The Fourth with music, a kid's zone, food trucks &amp; fireworks.  Find out more and how to get tickets on this podcast!.  Karen &amp; Janet's last guest is Bob Davis who is inviting everyone to "Christmas In July" at The Aqua Beachfront Bar at The Crown Plaza in Ventura.  A benefit for The City Center of Ventura,  Download this podcast and share it with your friends! </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/pmxnnrmiarz453qt/GOTA06292024.mp3" length="80994625" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet have a hot summertime podcast with a huge list of summer events and great real estate deals for renters &amp; buyers!  Their first guest is The Reverse Mortgage Queen Shelly Wells who is the expert when it comes to a reverse mortgage that fits your needs.  Maybe you use the cash for home improvements like a new roof or upgraded AC.  Shelly does reverse mortgages exclusively &amp; has helped many people in Ventura County stay in their homes.  Next we have Ken Leandro from The Ventura Rotary talking about the best Fourth of July Celebration in the area happening at Ventura College on The Fourth with music, a kid's zone, food trucks &amp; fireworks.  Find out more and how to get tickets on this podcast!.  Karen &amp; Janet's last guest is Bob Davis who is inviting everyone to "Christmas In July" at The Aqua Beachfront Bar at The Crown Plaza in Ventura.  A benefit for The City Center of Ventura,  Download this podcast and share it with your friends! ]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3374</itunes:duration>
                <itunes:episode>311</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>It's The Green Podcast! Tips To Save The Environment &amp; To Save You Money!</title>
        <itunes:title>It's The Green Podcast! Tips To Save The Environment &amp; To Save You Money!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/its-the-green-podcast-tips-to-save-the-environment-to-save-you-money/</link>
                    <comments>https://girlsontheair.podbean.com/e/its-the-green-podcast-tips-to-save-the-environment-to-save-you-money/#comments</comments>        <pubDate>Sat, 22 Jun 2024 12:19:36 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/54843e5a-8f0b-31ec-b8b9-4fbbc32da93c</guid>
                                    <description><![CDATA[<p>Karen &amp; Janet have an awesome line up of guests that are go9ing to help you save the green way, save money, energy and our natural habitat!  The start off with Larry Reyes from Smart Home Mortgage.  Larry has information on mortgages that allow for energy upgrades in the mortgage.  This money will help you upgrade AC, Stoves, Washers, Dryers all those old energy &amp; money suckers that cost you a lot of cash over the years, Larry has a lot of great information!  Next we welcome Green Eileen who does seminars on green landscaping, this is a beautiful way to upgrade your landscaping and save money on water and landscaping.  The birds, bees and butterflies love it too! Eileen has excellent ideas that help you with energy efficiency inside your home too!  The podcast wraps up with Dee Koger, her unique cruises for "Sassy Solo Sightseers, offers wonderful adventures where people can connect with others, explore and enjoy traveling in a safe, comfortable and fun way. Karen &amp; Janet with another must listen podcast!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Karen &amp; Janet have an awesome line up of guests that are go9ing to help you save the green way, save money, energy and our natural habitat!  The start off with Larry Reyes from Smart Home Mortgage.  Larry has information on mortgages that allow for energy upgrades in the mortgage.  This money will help you upgrade AC, Stoves, Washers, Dryers all those old energy &amp; money suckers that cost you a lot of cash over the years, Larry has a lot of great information!  Next we welcome Green Eileen who does seminars on green landscaping, this is a beautiful way to upgrade your landscaping and save money on water and landscaping.  The birds, bees and butterflies love it too! Eileen has excellent ideas that help you with energy efficiency inside your home too!  The podcast wraps up with Dee Koger, her unique cruises for "Sassy Solo Sightseers, offers wonderful adventures where people can connect with others, explore and enjoy traveling in a safe, comfortable and fun way. Karen &amp; Janet with another must listen podcast!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/9f9eaadtn7wdvx4r/GOTA06222024.mp3" length="80448001" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Karen &amp; Janet have an awesome line up of guests that are go9ing to help you save the green way, save money, energy and our natural habitat!  The start off with Larry Reyes from Smart Home Mortgage.  Larry has information on mortgages that allow for energy upgrades in the mortgage.  This money will help you upgrade AC, Stoves, Washers, Dryers all those old energy &amp; money suckers that cost you a lot of cash over the years, Larry has a lot of great information!  Next we welcome Green Eileen who does seminars on green landscaping, this is a beautiful way to upgrade your landscaping and save money on water and landscaping.  The birds, bees and butterflies love it too! Eileen has excellent ideas that help you with energy efficiency inside your home too!  The podcast wraps up with Dee Koger, her unique cruises for "Sassy Solo Sightseers, offers wonderful adventures where people can connect with others, explore and enjoy traveling in a safe, comfortable and fun way. Karen &amp; Janet with another must listen podcast!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3351</itunes:duration>
                <itunes:episode>310</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>The Hottest Market in Ventura County, Syndications, 1031 Exchanges Plus Bookkeeping Tips!</title>
        <itunes:title>The Hottest Market in Ventura County, Syndications, 1031 Exchanges Plus Bookkeeping Tips!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/the-hottest-market-in-ventura-county-syndications-1031-exchanges-plus-bookkeeping-tips/</link>
                    <comments>https://girlsontheair.podbean.com/e/the-hottest-market-in-ventura-county-syndications-1031-exchanges-plus-bookkeeping-tips/#comments</comments>        <pubDate>Sat, 15 Jun 2024 14:13:59 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/27922b29-825e-3364-a2b6-01ec08995b3d</guid>
                                    <description><![CDATA[<p>Special guest host Suzzi Koenig Brown joins Janet Sprissler for this Father's Day Weekend Podcast!  They start off the podcast with buying &amp; rental properties in Ventura County, next up Megan Destito joins the conversation explaining 1031 Exchanges. We find out about Syndication opportunities with Mike Robb from Syndication Deals, awesome investment ideas through real estate are available in Ventura County!  Megan rejoins the podcast to offer her knowledge on these investments.  Janet &amp; Suzzi wrap up the podcast with Nicole Robb of OZ Bookkeeping who talks about the importance of getting your books straight at the start of the summer season, another great podcast with Girls On The Air!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Special guest host Suzzi Koenig Brown joins Janet Sprissler for this Father's Day Weekend Podcast!  They start off the podcast with buying &amp; rental properties in Ventura County, next up Megan Destito joins the conversation explaining 1031 Exchanges. We find out about Syndication opportunities with Mike Robb from Syndication Deals, awesome investment ideas through real estate are available in Ventura County!  Megan rejoins the podcast to offer her knowledge on these investments.  Janet &amp; Suzzi wrap up the podcast with Nicole Robb of OZ Bookkeeping who talks about the importance of getting your books straight at the start of the summer season, another great podcast with Girls On The Air!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/sh5asd7mru863cb5/GOTA06152024.mp3" length="80705473" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Special guest host Suzzi Koenig Brown joins Janet Sprissler for this Father's Day Weekend Podcast!  They start off the podcast with buying &amp; rental properties in Ventura County, next up Megan Destito joins the conversation explaining 1031 Exchanges. We find out about Syndication opportunities with Mike Robb from Syndication Deals, awesome investment ideas through real estate are available in Ventura County!  Megan rejoins the podcast to offer her knowledge on these investments.  Janet &amp; Suzzi wrap up the podcast with Nicole Robb of OZ Bookkeeping who talks about the importance of getting your books straight at the start of the summer season, another great podcast with Girls On The Air!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3362</itunes:duration>
                <itunes:episode>309</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>ADU's &amp; Tiny Houses, Habitat For Humanity Plus Rates, Choice Home Warranties &amp; Lyle Elliot Branch Manager of Berkshire Hathaway!</title>
        <itunes:title>ADU's &amp; Tiny Houses, Habitat For Humanity Plus Rates, Choice Home Warranties &amp; Lyle Elliot Branch Manager of Berkshire Hathaway!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/adus-tiny-houses-habitat-for-humanity-plus-rates-choice-home-warranties-lyle-elliot-branch-manager-of-berkshire-hathaway/</link>
                    <comments>https://girlsontheair.podbean.com/e/adus-tiny-houses-habitat-for-humanity-plus-rates-choice-home-warranties-lyle-elliot-branch-manager-of-berkshire-hathaway/#comments</comments>        <pubDate>Sat, 08 Jun 2024 12:24:50 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/ad65146a-a84b-3901-8172-91c29d67634b</guid>
                                    <description><![CDATA[<p>This awesome podcast starts with a conversation about ADU'S &amp; "Tiny Houses". Incredible opportunities for buyers, sellers &amp; renters!  First guest is Larry Reyes of Smart Home Mortgage, rates are study &amp; Bridge Loans are a wonderful opportunity for buyers, Lyle Elliot Branch Manager at Berkshire Hathaway gives his thoughts on the market and a lot of great advice.  Tamara Molina tells you how Choice Home Warranties will help you as a seller during the process of selling your home.  Finally we hear from Habitat For Humanity with Katie Norris, they offer a hand-up for potential home owners who would like to put a little "sweat equity" into their future homes.  What a story from Habitat For Humanity!   </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This awesome podcast starts with a conversation about ADU'S &amp; "Tiny Houses". Incredible opportunities for buyers, sellers &amp; renters!  First guest is Larry Reyes of Smart Home Mortgage, rates are study &amp; Bridge Loans are a wonderful opportunity for buyers, Lyle Elliot Branch Manager at Berkshire Hathaway gives his thoughts on the market and a lot of great advice.  Tamara Molina tells you how Choice Home Warranties will help you as a seller during the process of selling your home.  Finally we hear from Habitat For Humanity with Katie Norris, they offer a hand-up for potential home owners who would like to put a little "sweat equity" into their future homes.  What a story from Habitat For Humanity!   </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/gwdut5hr45yydi5e/GOTA06082024.mp3" length="80511361" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This awesome podcast starts with a conversation about ADU'S &amp; "Tiny Houses". Incredible opportunities for buyers, sellers &amp; renters!  First guest is Larry Reyes of Smart Home Mortgage, rates are study &amp; Bridge Loans are a wonderful opportunity for buyers, Lyle Elliot Branch Manager at Berkshire Hathaway gives his thoughts on the market and a lot of great advice.  Tamara Molina tells you how Choice Home Warranties will help you as a seller during the process of selling your home.  Finally we hear from Habitat For Humanity with Katie Norris, they offer a hand-up for potential home owners who would like to put a little "sweat equity" into their future homes.  What a story from Habitat For Humanity!   ]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3354</itunes:duration>
                <itunes:episode>308</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Girls On The Air Celebrate Show #500!</title>
        <itunes:title>Girls On The Air Celebrate Show #500!</itunes:title>
        <link>https://girlsontheair.podbean.com/e/girls-on-the-air-celebrate-show-500/</link>
                    <comments>https://girlsontheair.podbean.com/e/girls-on-the-air-celebrate-show-500/#comments</comments>        <pubDate>Sat, 01 Jun 2024 14:54:54 -0700</pubDate>
        <guid isPermaLink="false">girlsontheair.podbean.com/57ef3fbe-69f8-3643-afe9-b9e93079be89</guid>
                                    <description><![CDATA[<p>This podcast marks the 500th Girls On The air Show!  The celebration starts with Karen &amp; Janet talking about "the Power of Pre-Approval" and the huge benefits of being ready to buy when the home of your dreams is available. Joe Parisi Vice President at Guaranteed Rate Mortgage talks about how renters should always be looing to buy with the amount of programs offered.  The opportunity to buy then refi should not be ignored!  Lorine is up next with WellRive, who relocates anyone of any age with their unique approach that uses their "Magnetic Kit" which allows their experts to show you exactly what your home will look like when you move in, reducing stress make the moving experience enjoyable.  Seth from Latitude Surveying gives examples of mistakes land owners make when they use property dividers like fences to mark property lines, this can be very costly if you do not know exactly where your property line begins and ends.  Vicky Bennet concludes podcast 500 with her expertise in Body Awareness and Trauma Awareness.  Vicky has the tools and experience that can help people through difficult times like the Thomas Fire and other life traumas that happen to all of us.  As always, another awesome podcast... #500 from Karen &amp; Janet!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This podcast marks the 500th Girls On The air Show!  The celebration starts with Karen &amp; Janet talking about "the Power of Pre-Approval" and the huge benefits of being ready to buy when the home of your dreams is available. Joe Parisi Vice President at Guaranteed Rate Mortgage talks about how renters should always be looing to buy with the amount of programs offered.  The opportunity to buy then refi should not be ignored!  Lorine is up next with WellRive, who relocates anyone of any age with their unique approach that uses their "Magnetic Kit" which allows their experts to show you exactly what your home will look like when you move in, reducing stress make the moving experience enjoyable.  Seth from Latitude Surveying gives examples of mistakes land owners make when they use property dividers like fences to mark property lines, this can be very costly if you do not know exactly where your property line begins and ends.  Vicky Bennet concludes podcast 500 with her expertise in Body Awareness and Trauma Awareness.  Vicky has the tools and experience that can help people through difficult times like the Thomas Fire and other life traumas that happen to all of us.  As always, another awesome podcast... #500 from Karen &amp; Janet!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/mysjykt4s2dpm25q/GOTA06012024.mp3" length="80740523" type="audio/mpeg"/>
        <itunes:summary><![CDATA[This podcast marks the 500th Girls On The air Show!  The celebration starts with Karen &amp; Janet talking about "the Power of Pre-Approval" and the huge benefits of being ready to buy when the home of your dreams is available. Joe Parisi Vice President at Guaranteed Rate Mortgage talks about how renters should always be looing to buy with the amount of programs offered.  The opportunity to buy then refi should not be ignored!  Lorine is up next with WellRive, who relocates anyone of any age with their unique approach that uses their "Magnetic Kit" which allows their experts to show you exactly what your home will look like when you move in, reducing stress make the moving experience enjoyable.  Seth from Latitude Surveying gives examples of mistakes land owners make when they use property dividers like fences to mark property lines, this can be very costly if you do not know exactly where your property line begins and ends.  Vicky Bennet concludes podcast 500 with her expertise in Body Awareness and Trauma Awareness.  Vicky has the tools and experience that can help people through difficult times like the Thomas Fire and other life traumas that happen to all of us.  As always, another awesome podcast... #500 from Karen &amp; Janet!]]></itunes:summary>
        <itunes:author>Girls on the Air - Real Women of Real Estate</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3363</itunes:duration>
                <itunes:episode>307</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
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