PARALGAL DISCLOSURE: I am a California Business and Professions Code § 6450 qualified paralegal.  I only work as a paralegal when employed or under contract by an attorney, law firm, corporation, governmental agency or other entity under the direction and supervision of an active member of the State Bar of California or an attorney practicing law in the federal courts of California that has been specifically delegated by the attorney to him or her.  REAL ESTATE DISCLOSURE: I, am a licensed and bonded California Department of Real Estate Broker #01217620.  My license expires 10/09/2013. As a real estate broker, I am qualified to  advise on real estate.  I do not offer legal advice. If you have any questions concerning the legal sufficiency, legal effect, insurance, or tax consequences regarding any real estate or other matter, consult with your attorney, accountant, insurance agent, tax or other appropriate professional.