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Brenda Moore
Associate Broker
    Years of Experience: 9

    ABR - Accredited Buyer Representative
    GRI - Graduate Realtor Institute
    SFR - Short Sales, Foreclosures

Direct: 434-258-7670

Office: 434-525-6561



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Real Living Cornerstone
123 W. Third St
Farmville, VA
434-525-6561


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Archive for December 2009

Low Level Laser Therapy

Thursday, December 31st, 2009

About 6 weeks ago, I cut my right middle finger with a rotary cutter.  It was one of the crazy things you do when you are in a hurry and really not thinking.  It was cut pretty deep so the next day I went to my primary physician who butterflied the wound and sent me home with a prescription for antibiotics.  After 2 weeks on the meds, the finger was not getting better.  It was swollen and very painful.  I went back to my primary  physician and was given another prescription for a different antibiotic and referred to a bone doctor.  The next week I went to him and after x rays he gives me another prescription for pain and refers me to physical therapy.  Well the finger hurt and I do not like pain so a physical therapist was something I didn’t wanted to do.  But I knew I had to do something and my good friend Linda Brown kept telling me to come to her.

Linda is a Chiropractor in Lynchburg who owns Brown Chiropractor.  I love to call her my witch doctor because she is so amazing in all that she knows about the physical body.  I gave her a call and she prescribed Low Level Laser Therapy or “cold laser” treatment.  At this date I have had two treatments and my finger is feeling much better.

Below is information on this incredible laser.

FAQ

General Knowledge

Q. What is Low Level Laser Therapy?

A. Low Level Laser therapy is the use of low intensity photonic energy as a treatment modality.

Q. How does Low Level Laser (3LT™) work?

A. Photonic stimuli excite the body’s cells infusing them with energy, with the three primary reactions being, reduction of inflammation, cell regeneration and increased blood flow.

Q. What is it used for?

A. The potential applications of Low Level Laser (3LT™) are almost limitless, however; to date Erchonia has received market clearance for Neck and Shoulder Pain, Breast Augmentation, Acne and Laser Assisted Liposuction.  Erchonia continues to conduct clinical trials on other applications 

Q. What are the benefits of low-laser therapy?

A. Low Level Laser Therapy is a noninvasive, fast and effective modality that has been proven in clinical trial to reduce pain, reduce edema and promote healing.

Q. How safe is Low Level Laser Therapy?

A. Low Level Laser Therapy has is very safe, the only general precaution is the use of special filtering glasses when a class 3B laser is in use.

Q. How deep into the tissue can laser light penetrate?

A. The depth of penetration is dependent on multiple factors including mass and density, however since low level laser has been proven in clinical study to effect subcutaneous cells; the point is low level laser, does penetrate; as opposed to the heat lamp devices that do not.

Q. Can I use Low Level Laser Therapy at home, on myself?

A. Low Level Laser Therapy is simple enough that once the protocol had been established by a physician, a patient could administer it themselves, however; all Erchonia market clearances stipulate “By Order of Physician.” 

Q. What the difference is between pulsed vs. constant wave?

A. Like their names imply, constant wave is a continuous emission of laser energy, without disruption, for the length of time the device is ON.  Pulsed wave is controlled breaks in the wave, at predefined and programmed intervals.

Q. What is hertz as it relates to Low Level Lasers?

A. The predefined, controlled breaks in the laser emission, measured by the number of breaks per second, equals hertz.

 

Applications 

Q. Is Low Level Laser Therapy painful?

A. No, most people do not feel anything, for those that have reported a feeling, it is nothing more than a slight tingling.

Q. Who uses the Low Level Lasers?

A. Erchonia has a broad client base with representative from every practice in the health Care industry, including by not limited; Cosmetic Surgeons, Chiropractors, Plastic Surgeons, Physical Therapists, Registered Nurses and Medical Doctors.

Q. How is Low Level Laser Therapy administered?

A. The mechanics of how low level laser therapy is administered is based on the indication for use, however; the general process is the probe containing the laser diode(s) are held in place or moved gently over the treatment area at a distance of anywhere from 4” – 12.” 

Q. How long does it take for the laser to heal or improve a condition?

A. This is dependent of the application, however; progress is immediately evident.

Q. What’s the difference between Lasers vs. LED?

A. Erchonia 3LT™ devices used electric diodes, which are high end, culminated and strictly measured within a plus/minus .05%.  LEDs are inexpensive, non-focused wide range light sources.  The primary difference is in performance and depth of penetration, Laser diodes penetrate, working subcutaneously, LEDs do not affecting surface only .

 

Research

Q. What clinical studies have been conducted using Low Level Laser?

A. Erchonia has sponsored numerous clinical trials and continues to promote low level laser as a modality through ongoing research.  To see the completed study results and the on-going study progress, click RESEARCH

 

Sales & Marketing

Q. How much does the Erchonia laser devices cost?

A. Erchonia has a make and model for every type of application and each budget.  Contact 888.242.0571 to talk with a sales representative.

Q. What are the trends in laser therapy?

A. Since the applications of Low Level Laser therapy are virtually endless and 3LT™ can be included in most modalities, Erchonia works within the trends of the general medical community.  

 

Compliance

Q. Is Low Level Laser Therapy FDA approved?

A. The FDA clears for market devices and specific indications for use, this is sometime referred to by persons outside the FDA as “FDA Approval”, although it is a terms unacceptable to the FDA.  All Erchonia devices have received a FDA market clearance or where self certified in accordance to FDA regulation.

Q. Are Erchonia Low Level Laser devices tested to ensure safety?

A. Erchonia Medical develops, design and manufactures devices in accordance to both FDA and International standards for Medical Device Quality Standards.  Prior to release to production, finished devices are tested to Medical Safety standards for Laser Controls, EMC and Safety.

 

Contraindications

Q. Are there any conditions which would prevent me from using?

A. There are no code regulated contra indications, however; since there are no long term evaluations on certain conditions, Erchonia does not recommend use on pregnant women or persons with a pace maker.

Q. Does laser therapy cause heat damage or cancer in the tissue?

A. No, low level laser by virtue of design is nn heat producing and does not alter the cell structure.  The laser irradiation is non-ionizing meaning it does not collect in tissue.

Q. Are there any side effects?

A. Some persons have reported a sense of deep relaxation that may cause drowsiness 

Q. Are there any complications to the treatments?

 A. There are no known and / or published adverse effects of Low Level Laser Therapy

Tips for Navigating the Virginia Housing Market

Wednesday, December 30th, 2009

How can a local real estate agent help you?

  1. Experience matters – With all the changes in housing over the last few years, you need an expert to help you with buying or selling a home.  Your local Realtor helps people every day – they can save you time, money and a hassle. 
  2. Transactions are more complicated – There are tax credits, short sales, foreclosures, good options for borrowers, and lots of incentives for buyers.  Your Realtor keeps up with all of these changes or knows how to get the information that you need.
  3. The right home is harder to find – There are not as many homes on the market as there were last  year.  Nationally, inventory levels have dropped about 12 percent from quarter 3 in 2008 to quarter 3 in 2009.  Sales for Virginia homes shot up 5.3 percent over the summer and 25 percent fewer new homes have been built this year.  With less inventory, you need a professional who will work hard to help you find the home for your needs.
  4. Knowledge – The market is changing for the buyer and the seller.  The median sale price of a Virginia home jumped 2.2 percent over the second quarter of 2009 – that’s an average of $28,000 per home.  Your Realtor knows your neighborhood and how to get the best deals for you.

Real Estate is Local

Wednesday, December 30th, 2009

The market statistics that matter are those for  your neighborhood and area, not what is going on in the nation.  The truth about inventory, price, financing, and selling time is that they are local.  You need a local Realtor.

Tax Credit Extended through April 2010

Wednesday, December 30th, 2009

Mortgage News

Congress and the President have extended and expanded the $8000 tax credit for first-time homebuyers.

A buyer now has to April 30, 2010 to sign a contract and qualify, and now many existing home owners also qualify. 

The biggest difference: Owners who have lived in their homes for at least five consecutive years of the past eight years can claim up to $6500 credit when they buy a new home.

There are changes to income limitations as well, and limits on the price of the home.  For more information, contact Brenda for all the details.

Why Work with an Accredited Buyer’s Representative?

Monday, December 28th, 2009

An Accredited Buyer’s Representative stands out in the crowd.  You can trust that a Realtor who holds the  ABR designation will have an extra edge when it comes to Knowledge and Experience.

WHY?  The ABR designation is only awarded to licensed real estate professionals who complete specialized training that helps them understand a buyer’s perspective and protecting and promoting their buyer’s-clients’ interests.  Before earning the ABR designation, buyer’s reps must also demonstrate proven experience in representing buyers.  They are committed to maintaining their professional edge by staying current on the lastest issues and trends in buyer representation.

With a ABR your interest become their interest. They will make your buying experience go smoothly and as successful as possible.

Your can expect your ABR to:

  • Understand your specific needs and wants, and locate appropriate properties
  • Assist you in determining how much you can afford (pre-qualify your mortgage)
  • Preview and/or accompany you in viewing properties
  • Advise you in formulating your offer
  • Help you develop your negotiating strategy
  • Provide a list of qualified vendors (inspectors, attorneys, lenders, etc) for other services you may need
  • Keep track of every details throughout the transaction – to closing and beyond

Not all buyer’s representatives are equal.  Only a buyer’s rep who has earned the Accredited Buyer’s Representative designation has made the extra effort to raise the bar, with additional training and experience. 

The ABR designation is awarded by the Real Estate Buyer’s Agent Council (REBAC), a wholly-owned subsidiary of the National Association of Realtors (NAR).

To learn  more about REBAC and access various homebuyer resources, please visit www.REBAC.net

God With Us

Friday, December 25th, 2009
A friend sent me this email before Christmas and I wanted to share it with my Blog friends.  I wish you all a very Merry Christmas and a Happy New Year.  Brenda
As we celebrate Christ in this Christmas season, we must pray for our Nation.
 - Psalms 33:12 “Blessed is the nation whose God is the Lord;…” 
 
–  – - – - – - – - – - – - – - – - – - – - -
 
“For there will be a fulfillment of those things which were told her from the Lord.”
Luke 1:15
 
Isaiah 7:14 says,
“The Lord Himself will give you a sign: Behold, a virgin will be with child and bear a son, and she will call His name Immanuel.”
That virgin’s name was Mary.
 
    The name Immanuel, however, is the key to this verse and the heart of the Christmas story.  It is a Hebrew name that means literally, “God with us.”  It is a promise of Incarnate deity, a prophecy that God Himself would appear as a human infant, Immanuel, “God with us.”  This baby who was to be born would be God Himself in human form.
 
    If we could condense all the truths of Christmas into only three words, these would be the words: ”God with us”.  We tend to focus our attention at Christmas on the infancy of Christ.  The greater truth of the Holiday is His deity.  More astonishing than a baby in the manager is the truth that this promised baby is the omnipotent Creator of the Heavens and the Earth!
 
            ——  John MacArthur——

Overview of the Mortgage Disclosure Improvement Act

Thursday, December 10th, 2009

What Can You Expect Under the New Requirements

 The new requirements apply to all mortgages, including primary as well as secondary residence and refinancing a home.

  • Your lender must give you a Good Faith Estimate of costs within three business days or applying for a loan.  This is called “early disclosure”.  This was true under the old requirements but now  the lender cannot collect fees (0ther than reasonable fees for a credit check) before the Good Faith is received.
  • Your closing may not take place until the expiration of a 7-day waiting period after you have received the early disclosure.  In most cases, this will not be a problem since most closings take weeks to close and not days.
  • If your final APR at loan closing varies more than 0.125% (1/8 of one percent) from your initial APR, the lender must provide you with a new disclosure at least three business days before closing.  The lender cannot close the transaction during this time.  You as a buyer, during that three days has a right of rescission.
  • Under special circumstances you can waive this time period.

A buyer can at anytime request copies of all closing documents one business day before closing.

Buying or Selling a Home in Lynchburg, Va

Thursday, December 10th, 2009

Mortgage Disclosure Improvement Act

 

You are sitting at the closing table and you realize that the amount needed for closing is a few hundred dollars more than you had anticipated. More then what was shown on your Good Faith Estimate that you received at loan application.  What are you going to do?  Go ahead and sign the papers and forget it; go ahead and sign the papers and worry about it later?  Should I make a big deal about this?

Effective July 30,2009, everything on loan cost disclosure changed for the consumers and the real estate agents.  The Truth in Lending Act (TILA) disclosure requirements in accordance with the Federal Reserve Board Truth in Lending Regulation, Reg Z, has become the Mortgage disclosure Improvement Act (MDIA).  This act will help consumers understand the loan they have received and the fees that go with it.  In the past, it was not uncommon for new fees/costs to be added after the initial loan application.  This Act will alert consumers of changes prior to closing.

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