Showing posts with label licensed. Show all posts
Showing posts with label licensed. Show all posts

Wednesday, November 11, 2015

Real meaning of real estate euphemisms, jargon, lingo - Mary Cummins, Real Estate Appraiser, Real Estate Appraisal

I've been in the real estate business for over 30 years. I have probably heard all of the real estate "euphemisms." I wrote this short list of real estate lingo for first time buyers. Remember the person writing the ad only wants to sell the property so they can make money. They are not trying to accurately describe the property. This is why it's sometimes helpful to get your own appraisal by someone experienced. We don't look at the ads. We investigate the actual property. Feel free to add your own in the comments.

"Starter home" Shitty, tiny, run down house in a bad neighborhood but it's all you can afford

 "Ocean view" If you tear down all the houses and trees in front of you, stand on a tall ladder on the roof with binoculars, you might see a sliver of the ocean on a super clear day

 "Just needs a little TLC. Architect delight. Handyman dream" You'll need a bulldozer and demolition permit

"Pride of ownership" They covered Uncle Mike who was passed out naked on the couch with a blanket before they took the photos

"Cosmetic" Looks like crap but nothing a few hundred grand can't fix

"Vintage" Nope, just old and run down

"Turn Key Condition" "Just bring your toothbrush" If you don't mind roughing it before you renovate it

"Water front" There was a lake there 100 years ago before they built the dam upstream

"Motivated Seller" Agent knows it's worth a lot less but seller refuses to lower the damn price

"Bring your decorator" Only if he has a jack hammer, blow torch and contractors license

"Easy access to freeway" Home is located within spitting distance of the freeway on ramp.

"Information deemed reliable but not guaranteed - buyer to verify" We lied about everything

"Eclectic neighborhood" Wedged between Skid Row and gang territory next to the railroad tracks

"Security windows. New alarm system" The last owners were robbed...and killed

"Probate" (see above)

"Cozy, intimate, efficient, compact, cottage, modest, quaint" Teeny tiny, itsy bitsy, made for hobbits

"Up and coming area, redevelopment, revitalization, urban renewal" Gang infested, homeless will sleep and vomit on your porch. Last owner was shot in a random drive by

"As is" Agent knows it has major structural problems, doesn't want to disclose, also doesn't want to get sued...again

"Great potential" If you bulldoze it and build a new home

"Light and bright" Everything is painted white in the hopes it'll look bigger than it is. It doesn't

"Lots of living space" If you don't mind living in the garage, patio or low attic

"Rural" Smells like horses, cows and chicken shit

"Low maintenance yard" It's been cemented over but there are a few weeds growing through some cracks in the cement

"Lots of possibilities" Possibilities such as tear down or tax write off as a loss

"Meticulously maintained" Original kitchen and baths. Never remodeled

"New AC" They replaced the filter three years ago, maybe

"Recently updated" Meth house fire. Owner died. Relative paid a day laborer $50 to paint it white before putting a "for sale" sign in the window

"Retro decor" Avocado colored appliances. Paisley velvet wallpaper. Shag carpeting...on the walls

"Turnkey" Owner will not remove old worthless furniture. You'll have to pay someone to take it to the dump

"Walking distance" If you enjoy five mile walks

"Easy access" Located on a major highway with lots of traffic

"Country living, private, secluded, quiet, tucked away, getaway, hideaway" You should shop at Costco because you'll only want to make the 100 mile drive to town once a month

"Cozy, larger than it looks" Size of a match box, built for little people with no kids, pets, furniture or personal belongings

"Easy-care yard" No yard

"Drought friendly landscaping" Gravel and a cement garden gnome. Gnome is extra

"Close to schools, convenient to, close to, accessible" Too close to something undesirable. Faces playground where parents dump their loud kids at 7:00 am and don't pick them up until night fall. Street people make loud sexy times on the playground equipment at night.

"Old world" Just means old and run down

"Garden level" Basement

"Full of character, custom, unique, interesting" Toilet in the kitchen. Bunk beds in the hallway. Bizarre and totally undesirable

"Artist community, bohemian, funky" Homeless people crashed here for two years with no windows or doors. Nothing is to code or permitted.

"One of a kind" Because making another one like it would be just plain stupid

"Rustic" Run down. Used to be a hippy commune in the '70's.

"Comfortable, laid back" Was a crash pad for druggies and wild animals.

"Original" Original plumbing, electrical, kitchen, bath, appliances (if any)

"Open concept" Unfinished as owner/contractor ran out of money

"Great location near nightlife" You live directly above, next to a loud bar. Expect to step around used condoms and passed out drunks in the morning

"Second bathroom" Guys don't mind peeing in the yard...or pool

"Off the beaten path" Your friends, delivery people will never find the place even with GPS.

"Close to shopping" People will camp out on your lawn for black Friday sales

"They don't make them like this anymore" ...for a very good reason

"Updated kitchen" They changed the cabinet knobs or shelf paper

"Diamond in the rough. Great bones. Renovator's delight" Property was red tagged as uninhabitable, surrounded by caution tape.

"Don't disturb the tenants" We don't want them to tell you how horrible this place really is. They're also violent.

"Newly remodeled kitchen" New $20 kitchen faucet from Home Depot. Fresh paper towel roll

"Desirable neighborhood" Bunch of uppity snobs live here who will report you for everything

"Efficiency kitchen" Used to be the hallway

"Historical house" Any change you want to make must be approved by a committee of eight old ladies that meet once every six months. They hate all newcomers

"City living" Do not walk around outside even in the day time. It's not safe

"Bonus room" Unlivable odd shaped room not built to code or with permits. You'll probably have to tear it down

"High ceilings" Expect high heating and cooling bills

Feel free to add your own in the comments

Mary Cummins of Animal Advocates is a wildlife rehabilitator licensed by the California Department of Fish and Game. Mary Cummins is also a licensed real estate appraiser in Los Angeles, California.

Mary Cummins, Mary K. Cummins, Mary Katherine Cummins, Mary Cummins-Cobb, Mary, Cummins, Cobb, real estate, appraiser, appraisal, instructor, teacher, Los Angeles, Santa Monica, Beverly Hills, Pasadena, Brentwood, Bel Air, California, licensed, permitted, single family, condo, pud, hud, fannie mae, freddie mac, uspap, certified, residential, certified resident, apartment building, multi-family, commercial, industrial, expert witness, civil, criminal, orea, dre, insurance, bonded, experienced, bilingual, spanish, english, form, 1004, 2055, land, raw, acreage, vacant, insurance, cost, income approach, market analysis, comparative, theory, appraisal theory, cost approach, sales, matched pairs, plot, plat, map, diagram, photo, photographs, photography, rear, front, street, subject, comparable, sold, listed, active, pending, expired, cancelled, listing, mls, multiple listing service, claw, themls,
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Tuesday, December 2, 2014

Probate referee verses real estate appraiser - Pros, cons, differences - Mary Cummins

Probate referee, Los Angeles, Real Estate Appraiser, Appraisal, California, licensed, Mary Cummins

Back in the 1980's before the S & L crisis there were "inheritance tax assessors." Then we got rid of the inheritance tax. Another result of the S & L crisis was mandatory licenses for real estate appraisers. I was a licensed broker in 1984. I also did appraisals. We did not need a real estate appraisal license until 1994. I fully agreed that real estate appraisers should be licensed and insured just like real estate brokers, notaries... Back then most appraisers were at least licensed real estate agents.

In 1994 the old "inheritance tax assessors" became "probate referees." This is a legal licensed designation by the state of California. You need to be a lawyer, accountant, appraiser or someone with a college degree who has experience doing appraisals. You don't have to be a licensed real estate appraiser to appraiser property for estate purposes. Below is a guide written from the pro-probate assessor point of view.

http://www.sco.ca.gov/files-eo/probate_guide.pdf

If you have an attorney handling an estate, they will tell you to consider a probate referee. They must do this to limit their liability in case they order an appraisal and one or more of the parties do not agree with the appraised value. They don't want to be sued. If you do not want a referee, you must sign a form, waiver stating that the attorney advised you of your right to seek a referee but you declined.

If you look in the above guide, these people charge 1/10 of 1% to appraise real estate. If you have an average $1,000,000 home in LA you would pay them $1,000. A normal appraisal cost is $300 to $350. Plus, a real estate appraiser is more experienced at appraising homes. Probate referees appraise real property, personal property, jewelry, automobiles, stocks, bonds, partial interests, business opportunities.... Not only that but you have to just accept the value they give you which they give to the government for estate purposes. Generally all appraisers should never vary by more than five percent from another appraiser in their appraisal report of the same property. Any more than that shows lack of experience, knowledge or intentional fraud.

Years ago it was illegal for lawyers, CPAs, anyone other than a real estate agent/broker to take a percentage of the sale or appraised value of real estate. Lawyers, CPAs generally did this with little old ladies in real estate deals. I know because I reported a few who took commissions on sales in which they were not involved in any way. I saw it in the escrow closing statements. They were ripping off their little old lady clients and their children anywhere from three to seven percent while they did nothing relative to the sale. They were breaking the law. I think this is why the "probate referees" were approved. They still need to be third parties other than the estate lawyer or a party to the estate.

The idea of a probate "referee" might be appropriate if there are multiple parties who can't agree on anything who all want to do their own appraisal. Then the $1,000 vs $350 times the number of parties might make sense. If someone just needs to know a date of death value of real estate, a licensed, insured, experienced real estate appraiser makes more sense.

This is the form which must be filled out by either the probate referee, estate attorney, or heirs.

http://www.courts.ca.gov/documents/de160.pdf

You attach this form which is the inventory of assets.

http://www.courts.ca.gov/documents/de161.pdf

If you scroll down, there is a sample showing how to fill it out.

http://www.riverside.courts.ca.gov/probate/probate_sampleinventoryappraisal.pdf

It would be pretty easy to make this inventory of bank accounts, stocks, bonds, real estate...yourself. Most appraisers for home, car, jewelry charge $300. If the estate is only worth $100,000 then paying $1,000 for home, jewelry, art appraisals might not be bad. But if you have an estate which is mainly real estate, cash, stocks, bonds, regular automobiles, it makes more sense to hire a real estate appraiser, look up Kelly Blue Book value of the car and look at the stock, bond, banking account balances.

Mary Cummins of Animal Advocates is a wildlife rehabilitator licensed by the California Department of Fish and Game. Mary Cummins is also a licensed real estate appraiser in Los Angeles, California.

Mary Cummins, Mary K. Cummins, Mary Katherine Cummins, Mary Cummins-Cobb, Mary, Cummins, Cobb, real estate, appraiser, appraisal, instructor, teacher, Los Angeles, Santa Monica, Beverly Hills, Pasadena, Brentwood, Bel Air, California, licensed, permitted, single family, condo, pud, hud, fannie mae, freddie mac, uspap, certified, residential, certified resident, apartment building, multi-family, commercial, industrial, expert witness, civil, criminal, orea, dre, insurance, bonded, experienced, bilingual, spanish, english, form, 1004, 2055, land, raw, acreage, vacant, insurance, cost, income approach, market analysis, comparative, theory, appraisal theory, cost approach, sales, matched pairs, plot, plat, map, diagram, photo, photographs, photography, rear, front, street, subject, comparable, sold, listed, active, pending, expired, cancelled, listing, mls, multiple listing service, claw, themls,
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Wednesday, October 1, 2014

Mary Cummins is a certified real estate appraiser with perfect record, Los Angeles, California

Mary Cummins is listed as a licensed real estate appraiser in California and in the national registry with a perfect 30 year record. Mary Cummins also has a 30 year perfect history as a real estate sales agent and/or broker and as a notary.

Mary Cummins, California real estate appraiser, appraisal, Los Angeles

Mary Cummins National real estate appraiser, Los Angeles, California
Link to search licensed California real estate appraisers
http://www.orea.ca.gov/html/SearchAppraisers.asp

Link to search licensed national real estate appraisers

https://www.asc.gov/National-Registry/FindAnAppraiser.aspx

https://www.asc.gov/Pages/AppraiserDetail.aspx?key=BOQN4TrqwRYvDRWvur9t4g**&Standard=1


Mary Cummins of Animal Advocates is a wildlife rehabilitator licensed by the California Department of Fish and Game. Mary Cummins is also a licensed real estate appraiser in Los Angeles, California.

Mary Cummins, Mary K. Cummins, Mary Katherine Cummins, Mary Cummins-Cobb, Mary, Cummins, Cobb, real estate, appraiser, appraisal, instructor, teacher, Los Angeles, Santa Monica, Beverly Hills, Pasadena, Brentwood, Bel Air, California, licensed, permitted, single family, condo, pud, hud, fannie mae, freddie mac, uspap, certified, residential, certified resident, apartment building, multi-family, commercial, industrial, expert witness, civil, criminal, orea, dre, insurance, bonded, experienced, bilingual, spanish, english, form, 1004, 2055, land, raw, acreage, vacant, insurance, cost, income approach, market analysis, comparative, theory, appraisal theory, cost approach, sales, matched pairs, plot, plat, map, diagram, photo, photographs, photography, rear, front, street, subject, comparable, sold, listed, active, pending, expired, cancelled, listing, mls, multiple listing service, claw, themls,
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Monday, September 29, 2014

Mary Cummins Resume Curriculum Vitae Real Estate Appraiser Los Angeles, California



Mary Cummins



Curriculum Vitae

Abstract

Cummins is a high energy, versatile, results-oriented professional having significant expertise in real estate sales, leasing, inspection, evaluation and expert witness testimony. In her 30 years in the business she's appraised and sold over 20,000 residential, residential income, commercial, raw land, construction projects, industrial and mixed-use properties. 

Cummins has worked for AMCs, lawyers, expert witness companies, relocation companies, builders, credit unions, banks, mortgage brokers, factors, brokers, investment bankers and individuals evaluating and selling property in all of California. 

Education
  • Beverly Hills High School 1982 - Dean's list, swim team, water polo
  • University of Southern California 1984 - Dean's list, swim team
Licenses
  • Real Estate Sales License 1984
  • Real Estate Brokers License 1986
  • California Notary Public 1989
  • Real Estate Appraisal License Certified Residential 1994  
Work Experience
  • 1984 Merrill Lynch Real Estate - Sales, Comparative Market Analysis
  • 1984 to present - Cummins Real Estate Services - Real Estate Appraisal, Sales
  • 1985 Apartment Owners Association - Commercial Brokerage Division
  • 1986 Forensis Group - Expert Witness
  • 1990 Westside Properties - Real Estate Appraisal, Sales. 100% office
Selected Legal Cases
  • 1989 Schine vs Schine - Appraisal of Ambassador Hotel as land for development project with Donald Trump. Deposed.
  • Various cases for Forensis Group 1986-2006
  • 2009 Union Pacific vs Jimmy Nasralla. Criminal. Court appearance.
  • 2010 Don Carstens vs JP Morgan. Civil. Deposed. Court appearance. 
  • 2013 Narrative Appraisal for LA Metro Eminent Domain.
Selected Clients
  • Crestview Financial, Mortgage Broker
  • Don Carstens, Attorney at Law
  • Home Savings, Bank
  • Countrywide Home Loans, Mortgage Lender
  • Chase Financial, Bank
  • First Franklin, Mortgage Broker
  • Forensis Group, Expert Witness
  • Western Relocation Services
Selected Professional Education
  • 1984 Lumbleau School of Real Estate - Real estate sales
  • 1985 Merrill Lynch - Real estate sales, CMA 
  • 1986 Lumbleau School of Real Estate - Real estate broker
  • 1986 Apartment Owners Association - Income property evaluation and sales
  • 1984 to present - Various real estate schools, Expert Witness Testimony, Appraising Apartments, Land and Site Evaluation, Oddball Appraisals, 2-4 Family Finesse, Mortgage Fraud, Sales Comparison Approach, Nuts and Bolts of Green Buildings for Appraisers, Understanding Residential Construction, Laws and Regulations for California Appraisers, USPAP, FHA Appraising, Appraising Manufactured Homes, California Laws and Regulations, Environmental Issues for Appraisers, Fair Housing, LEED Real Estate, Foundations in Sustainability: Greening the Real Estate and Appraisal Industries, Review Appraisals, REO and Foreclosures, The Cost Approach. 
Selected Media
  • 1985 LA Times “People in Westside Real Estate” Cummins joins Merrill Lynch
  • 1990 LA Times “People in Westside Real Estate” Cummins joins Westside Properties
  • 2002 LA Times “Suggestions for the bidder whose offers are rejected”
  • 2007 LA Times “Historical homes, not for everyone”
  • 2009 LA Weekly “Jimmy Nasralla finds a lawyer”
  • 2009 LA Weekly “Is LA City Attorney Trutanich screwing over the little guy?”
  • 2009 LA Weekly “Jimmy on the edge of town”
Other Experience
  • Bilingual - English/Spanish
  • PC, iMac, iPhone
  • UAD, Pdf, Doc, .xml, .env, html, FTP, Power Point
  • Approved by several Appraisal Management Companies
  • MLS, Homeputer, a la mode, AppraisalMAT, Loop Net, Carets, UAD forms, WinTOTAL
  • Real estate photography, panaramas
  • E&O insurance $1,000,000/$1,000,000
  • Never had a real estate claim or lawsuit
  • Perfect appraiser license record
  • Passed full SterlingBackcheck background check
  • Passed multiple DOJ background checks for professional licenses
  • Perfect driving record, type 100 wpm

Mary Cummins of Animal Advocates is a wildlife rehabilitator licensed by the California Department of Fish and Game. Mary Cummins is also a licensed real estate appraiser in Los Angeles, California.

Mary Cummins, Mary K. Cummins, Mary Katherine Cummins, Mary Cummins-Cobb, Mary, Cummins, Cobb, real estate, appraiser, appraisal, instructor, teacher, Los Angeles, Santa Monica, Beverly Hills, Pasadena, Brentwood, Bel Air, California, licensed, permitted, single family, condo, pud, hud, fannie mae, freddie mac, uspap, certified, residential, certified resident, apartment building, multi-family, commercial, industrial, expert witness, civil, criminal, orea, dre, insurance, bonded, experienced, bilingual, spanish, english, form, 1004, 2055, land, raw, acreage, vacant, insurance, cost, income approach, market analysis, comparative, theory, appraisal theory, cost approach, sales, matched pairs, plot, plat, map, diagram, photo, photographs, photography, rear, front, street, subject, comparable, sold, listed, active, pending, expired, cancelled, listing, mls, multiple listing service, claw, themls,
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Tuesday, December 25, 2012

Mary Cummins real estate appraiser listed on Appraiser Xsites


Mary Cummins: Los Angeles County's Real Estate Appraiser Expert

Mary Cummins is a certified residential real estate appraiser in Los Angeles, California with over 28 years of experience. It doesn't matter what type of home you possess. Our knowledge of local neighborhoods and hours of study as licensed appraisers make us qualified to provide home valuations in Los Angeles County for clients ranging from national mortgage companies to local lenders or individual businesses and consumers.


A licensed appraisal from Mary Cummins is your best source of an unbiased opinion of value when your needs include:
  
Loan originators needing an experienced Los Angeles County appraiser
Divorce settlements when the value of common real estate is needed
Picking the right listing price for your home
Challenging a property's assessed value if you live in an area where real estate values have fallen off
Expert witness testimony when a reliable local authority on California home values is required
Appraisal review: Reviewing the work of other appraisers in or around Los Angeles, California
Unfreezing a frozen HELOC (Home Equity Line of Credit)
Bankruptcy cases where the market value of a house in or around Los Angeles, California is required
Figuring out the market value of home improvements you may have completed or are considering
Getting an accurate, yet affordable, floorplan sketch and appraiser-verified estimate of a home's gross living area
Employee relocation appraisals


http://marycummins.appraiserxsites.com/

Mary Cummins of Animal Advocates is a wildlife rehabilitator licensed by the California Department of Fish and Game. Mary Cummins is also a licensed real estate appraiser in Los Angeles, California.


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Saturday, September 29, 2012

Real Estate Appraiser, Appraisal, Los Angeles, Mary Cummins

Mary Cummins, real estate appraisal, appraiser in Los Angeles, California.

Mary Cummins, Real Estate Appraiser, Appraisal in Los Angeles, California.


Mary Cummins of Animal Advocates is a wildlife rehabilitator licensed by the California Department of Fish and Game. Mary Cummins is also a licensed real estate appraiser in Los Angeles, California.


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Wednesday, August 8, 2012

Mary Cummins, Appraiser Rules of Etiquette


As a real estate appraiser I absolutely agree with these rules of etiquette. I can't tell you how shocking it is when I used to get my home appraised and the appraiser showed up in shorts, flip flops and a t-shirt. Yes, we live in Southern California but that is no reason to look unprofessional. If I must check the crawl space or roof, I will bring a coverall. All appraisers should follow these rules of etiquette. 

The Appraisal Rules of Etiquette

by Kevin Hopkins

In this day and age, it seems like a lot of things have fallen by the wayside and good manners should not be one of them.  When you do an appraisal, you are representing yourself and the people who have hired you. A certain degree of professionalism should always be the standard and not the exception.  With that being said, what are the expectations in this day and age? Here is a list, by no means exclusive, of rules to live by.

  • Be on time. Not half an hour early, nor half an hour late. If you show up too early, homeowners might not be prepared for your arrival and if you show up late you keep them waiting. Time is money and you shouldn't waste anyone else's time.
  • Cell phones should be used sparingly, if at all in a customer's home. Sometimes it cannot be helped, but personal calls that seem to ramble on do not endear you to anyone. If you must answer or use the phone, do so as briefly as possible.
  • Don't ask to use the homeowner's bathroom. Yes, if you ask, they will point you down the hall. But you are a stranger and should not impose except in the direst of circumstances.
  • Don't ask for anything to eat or drink. Again, take care of these needs before or after your arrival. If they offer you a drink, you can accept their hospitality but don't sit down to dinner with them.
  • Keep your vehicle presentable- inside and out. For years, UPS drivers would wash their vehicles daily to maintain a professional image and often, that is what a homeowner would see both first and last.
  • Maintain your personal hygiene as well. Some of you will laugh, but others will argue. Bathe daily, wash your hands frequently with soap and water, clean and trim your nails, shave all necessary areas, floss and brush regularly and get your hair cut at least once a month.
  • Personal attire should be business casual or better. Polish your shoes and brush off any lint. Depending on circumstances, you could get dirty. I would recommend a change of clothes and/or a pair of coveralls.
  • Laptops belong on your…lap. The homeowner does not know where your computer has been. Don't set your Ipad on their table or countertop and send a germaphobe into orbit.
  • Be prepared to take your shoes off inside. This still unsettles me a bit, but some homeowners will cringe if you do not take off your shoes inside. I know a person who refused to do so and wound up discoloring a $10,000 Oriental rug. Some homeowner's will provide you booties to wear inside, but you might be advised to bring your disposable ones and make sure there are no holes in your socks- just in case.


Mary Cummins of Animal Advocates is a wildlife rehabilitator licensed by the California Department of Fish and Game. Mary Cummins is also a licensed real estate appraiser in Los Angeles, California.


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Wednesday, January 5, 2011

Mary Cummins, Animal Advocates, coyote, Mary Cummins

Mary Cummins, Animal Advocates



Animal Advocates has been rescuing ill, injured and orphaned coyotes in the Los Angeles area of California. We also provide humane coyote control and speak to groups about dealing with coyote issues. We recently received our permit to permanently rehabilitate coyotes at our own facility. Mary Cummins

Coyotes in Los Angeles, California weighs 20-35 pounds and stand 23 to 26 inches at the shoulder. The coyote looks similar to a smaller tan colored shepherd-type dog with long pointed muzzle, large ears, long legs and a bushy tail. Mary Cummins

Coyotes, whose natural habitat is the Los Angeles basin, have adjusted to their shrinking habitat by living closer to humans, sometimes in residential areas, parks and on the landscaped areas of the freeway system. Mary Cummins

Because coyotes are now habituating closer to humans, they suffer the effects of our existence. They are hit by cars or are poisoned from eating poisoned ground squirrels and rats. They also succumb to sarcoptic mange from mites.
If you find ill, injured or orphaned wildlife, contact us or visit our website so we can help you or refer you to someone who can. Mary Cummins

Animal Advocates is a non-profit corporation recognized by the IRS. We operate on donations from the public. We are licensed by the California Department of Fish & Game to rescue ill, injured and orphaned wildlife for release back to the wild. We rescue coyotes, bobcats, raccoons, foxes, opossums, skunks, squirrels, moles, voles, gophers, bats and more. Mary Cummins

Mary Cummins
Animal Advocates
www.AnimalAdvocates.us
Mary@AnimalAdvocates.us
www.FaceBook.com/AnimalAdvocatesUSA
mary cummins, cummins real estate services, los angeles, california, animal advocates, wildlife rehabilitator,
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Mary Cummins, Animal Advocates, Mary Cummins, Animal Advocates

Mary Cummins
Dr. Pia Salk wrote an article about a gopher which her friends rescued and gave to me to rehabilitate. The article is in the Martha Stewart website in the Daily Wag section. Her column is titled "Adventures with Francesca and Sharky." She is a major contributor to the blog. Thanks to everyone who helped the gopher! MaryEllen Schoeman is currently carrying for Charlie the gopher until he's ready for release. Mary Cummins, Animal Advocates, http://www.marycummins.com http://www.animaladvocates.us http://www.facebook.com/marycummins http://www.facebook.com/animaladvocatesusa http://www.youtube.com/marycummins

mary cummins animal advocates cummins real estate services wildlife rehabilitator wildlife rescue los angeles california
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Take 3 Film Festival at Plaza de Cultural y Artes by Mary Cummins, Maria Rivera

Take 3 Film Festival presented by East LA Film Festival , Panamanian International Film Festival/LA and La Plaza de Cultura y Artes was hel...