Beatrice Pizer, shamanic practitioner, teacher, artist
Hein & Co. Bookshop, 204 Main St., Jackson CA 95642
Sunday Sept. 27th 2015, 3pm – 5pm
Shamanism rests on the understanding that everything is alive with invisible sacred energy and every living thing has its own consciousness. So, if you are reading this, it is not an accident, the universe is speaking to you.
Join us in an informal circle to learn about shamanism.
Listen to the heart beat of the drum. Learn how Medicine People and Shamans for thousands of years, from all cultures, have shifted, at will, into an altered state of consciousness while listening to this drum beat. Learn how shamans become ‘hollow bones’, traveling to unseen realms with the sacred intention of bringing back wisdom, healing and guidance for their community.
Learn about the shamanic journey and how you too can journey into the unseen worlds to meet with your own personal Spirit Helpers, who are compassionate beings volunteering to work with you, to teach, guide and bring healing to your sacred walk on this earth.
This group meets last Sunday of Every month at Hein & Comp. Bookshop
Downtown Jackson Cal.
Visit Jackson Shamanic Drumming Circle —group page on Facebook
The Placerville Shamanic Drum Circle The animals were out in full force at the August Shamanic Drum Circle meeting in Placerville, as members danced their Power Animals. Members with their rattles and drums danced around the meeting room upstairs at the historic Smith Flat House Restaurant in Placerville. The Drum Circle meets the second Sunday of every month from 2:00- 5:00. The group shares Shamanic teachings about healing and journeying and meeting spirit guides and power animals. Their purpose is to be a place where healing takes place for the community and the world. Shamanism is the oldest healing practice in the world. If you are interested, the group is open to all. Classes are also offered for those who want to learn more about Shamanism. The First Beginner’s guide to Shamanism will be a two day workshop held November 14-15 at the Smith Flat House. The cost is $150.00.
The next meeting is this Sunday Sept. 13th. The group will be doing a special healing for those who want and we will also be discussing creating a sacred space in your home. If you want to meet likeminded people in the community and have fun dancing and playing drums and rattles, here is your drum circle. For more information or to register for workshop: https://www.facebook.com/groups/placervilleshamanicdrummingcircle/
Beatrice Pizer 530-418-8424
Diane Broussard 530-295-8440
I am so excited to announce that the Spiritual Center for Positive Living is bring Deepak Chopra to Folsom Harris Center. Deepak is a world renowned spiritual writer and speaker. This is a first time ever opportunity to see this amazing man speak here in Northern Calif. Hurry and get your tickets as they are selling fast.
Last meeting at the Smith Flat house in PLacerville the animals were out roaring as the group drummed and danced their power animals. What Fun!!! If you missed it be sure to come to our next meeting and drum your animal, goddess, or mystical inner self.
We meet in PLacerville the second Sunday of every month 2-5. We meet in in Jackson the last Sunday of every month 3:30 -5:00
Are you ready for some good news? The National Association of Realtors (NAR) just released some news about existing home sales and the numbers are made of things we dream of – a 10.4% increase from the same month last year. Yeah, you read that right! The home inventory is increasing and home sales are up. Time to come out and look at what is available in the Sierra Foothills. Remember El Dorado County will let you transfer your tax base. This is
great news for Bay area people that want to sell their homes and move to the country.
While there are many variables that go into this increase in sales (i.e., improving economy, jobs market loosening) there are some mortgage-related changes that that might help you sell and/or buy fast:
Reduced down payment requirements. Both Fannie Mae and Freddie Mac have reduced their down payment requirements to 3 percent – that’s really affordable.
FHA has reduced its monthly mortgage insurance coverage.
If you are interested in traveling to new places, beating a drum or shaking a rattle, you might want to visit the Shamanic Gathering that takes place in Placerville, at the Historic Smith Flat House on the second Sunday of every month from 2:00 to 5:00.in the afternoon.
Meet like minded friends and join a group of people interested in learning about healing with natural elements, journeying to magical worlds and a place to just be yourself.
If you are interested and want to learn more about this ancient healing practice visit
Changes to Reverse Mortgages are coming — starting April 27th. What you should know
I have older parents and clients. I am always looking for ways to help them feel more comfortable in their golden
years. This is very useful information concerning those of you who are facing retirement and fixed income. You may not be aware that individuals over 62 years old can use a Reverse Mortgage to buy a home. Why would you want to do this? Well, maybe the family has grown and the hose is too big now. But you don’t want to downsize because of potential payments on a new home.
People over 62 years old can use a Reverse Mortgage purchase loan to buy that smaller home and have no principle and interest payments for as long as they live in the home. All you will need to pay annually is your homeowners insurance and property taxes.
But what about the loss of equity to pass on to your children? Studies have shown that if your home appreciates at 4.5% per year it will completely offset the Reverse Mortgage deferred payment. So the equity you have when you buy your home will be exactly the same 10 or 15 years down the road if the home appreciates at 4.5% per year.
If the home appreciates more than 4.5% their equity will increase so that when it’s time for their heirs to inherit the estate there can be the same, or more, equity in the home than when they started.
But changes are coming beginning April 27th, so advise your clients now. Here is what’s changing …
New Reverse Mortgage Requirements are Coming Soon…
If you’ve been considering a reverse mortgage, there are big changes coming in 2015 that you’ll need to know about.
Most reverse mortgages are insured by the U.S. Federal Housing Administration. As a product of this, the loans are guaranteed by the government, adding a level of protection for borrowers. It also means the government creates rules and regulations around reverse mortgage lending via the Department of Housing and Urban Development, or “HUD.” That’s where the big changes come in.
In order to make reverse mortgages even safer for borrowers who qualify and are at least 62 years old, HUD is introducing new rules on April 27, 2015, that will impact all borrowers.
Here’s what you need to know.
New financial assessment requirements will take effect on April 27, 2015.
Prior to 2015, reverse mortgage borrowers did not have to go through an income or assets assessment as is customary for borrowers who are getting a “forward” or traditional mortgage.
But any potential borrowers who have been issued an FHA case number on or afterApril 27, 2015, will now undergo a “financial assessment,” conducted by the lender. This will also include a credit score review.
The financial assessment is geared toward making sure a borrower can meet the ongoing payments associated with homeownership including homeowners insurance, property tax, and home maintenance. If borrowers have past delinquencies, for example, those delinquencies will be considered by the lender as part of the assessment. If you have historically not made payments on time for repayment of other debts, those will be considered as well.
Borrowers will need more documentation.
As part of the financial assessment, lenders will need to collect more documentation in order to underwrite the reverse mortgage and ensure the borrower meets the necessary financial criteria. That may mean gathering income and tax forms, documentation of assets that you own, or payment history for different debts you have held.
The same way you would gather documentation in applying for a forward mortgage, you will need to provide documents as proof of the financial criteria that is required by the financial assessment.
You may need to “set-aside” money to fund fixed housing costs
Borrowers who lack certain financial standing as determined by the financial assessment, will need to set aside funds from their loan proceeds in order to cover their property charges (taxes and insurance, namely). This Life Expectancy Set Aside (LESA) is a fund specifically designated for those payments. The LESA works in a way that is similar to the way that forward mortgages sometimes escrow property tax payments.
The set-aside amount will be determined by a calculation conducted during the application process, and will either be designed to either fully fund those payments based on a lifetime expectancy assumption, or to partially fund those payments based on the same assumption.