What will new energy rates based upon your income mean for California electric customers?  Do you have good credit and a steady job?  Under new Biden guidelines you will pay more for your mortgage and subsidize people with bad credit.  How much more and when does this change take effect?  Senator Diane Feinstein is retiring.  The battle for her seat is on.  In this week's show we interview Denice Gary-Pandol a Republican who wishes to replace Di Fi.  We discuss all of these things and more in this week's Real Talk.  Real Talk is the Right side of Real Estate.