THEPODZONE.COM http://www.realestateinfocus.com Real Estate in Focus – Your Radio Resource for All Things Real Estate Hosted By: Sam Bushman Your home is one of the greatest liabilities or assets you will ever have. Therefore, understanding the intricacies of real estate is essential. • Buying a home or investment property? • Wondering how to obtain the best information available before you take on additional responsibility? • Need to refinance? • Confused about terms, rates, closing costs and real estate lingo all the professionals use? Real Estate in Focus is a weekly radio broadcast that provides timely information regarding the real estate process; focusing from start to finish on: • purchasing or refinancing • credit issues and questions • market trends • prudent financial practices • investment questions and more Weekly guests from all fields in the real estate industry can answer your questions: • What is my property worth? Tell me about market conditions. What are the benefits of using a real estate agent? • What does a title company do for me? What are their fees? What services do they perform? • Explain the mortgage process. What is the difference between prequalification and pre-approval? How do I determine what loan is right for me? What is LTV/CLTV, DTI, FICO, ratios, MI? • How safe is real estate investing? Where can I find real estate legal advice? What determines the appraisal value of a home? We have answers to these questions and many more, all from qualified professionals. Let Real Estate in Focus be your radio resource for all things real estate. Listen every Saturday morning via the following: * National Syndication via satellite www.accentradionetwork.com 11:00 AM (EST) * KHQN Radio, AM 1480 in Utah County www.khqnradio.com 9:00 AM (MST) * KNAK Radio, AM 540 in Central Utah www.knakradio.com 9:00 AM (MST) * Download the broadcast at www.realestateinfocus.com About Sam Bushman: According to Sam, the words “Family Man” describe him to a T. His wife, Julie, and seven children are his treasures. Sam grew up in the real estate industry. His father was a general contractor and Sam spent his childhood summers hauling plywood to the rooftops. Sam has been a real estate investor for 20 years. He and his wife are loan consultants with Benchmark Home Loan and Commercial Funding in Pleasant Grove, UT. He enjoys assisting families with real estate financing. Sam is a veteran radio broadcaster as well. He owned a radio station for ten years and has been an on air talent for even longer. He has now combined the fields of real estate and radio broadcasting to create his newest talk show, Real Estate in Focus. Real Estate in Focus – Your Radio Resource for All Things Real Estate Hosted By: Sam Bushman Your home is one of the greatest liabilities or assets you will ever have. Therefore, understanding the intricacies of real estate is essential. • Buying a home or investment property? • Wondering how to obtain the best information available before you take on additional responsibility? • Need to refinance? • Confused about terms, rates, closing costs and real estate lingo all the professionals use? Real Estate in Focus is a weekly radio broadcast that provides timely information regarding the real estate process; focusing from start to finish on: • purchasing or refinancing • credit issues and questions • market trends • prudent financial practices • investment questions and more Weekly guests from all fields in the real estate industry can answer your questions: • What is my property worth? Tell me about market conditions. What are the benefits of using a real estate agent? • What does a title company do for me? What are their fees? What services do they perform? • Explain the mortgage process. What is the difference between prequalification and pre-approval? How do I determine what loan is right for me? What is LTV/CLTV, DTI, FICO, ratios, MI? • How safe is real estate investing? Where can I find real estate legal advice? What determines the appraisal value of a home? We have answers to these questions and many more, all from qualified professionals. Let Real Estate in Focus be your radio resource for all things real estate. Listen every Saturday morning via the following: * National Syndication via satellite www.accentradionetwork.com 11:00 AM (EST) * KHQN Radio, AM 1480 in Utah County www.khqnradio.com 9:00 AM (MST) * KNAK Radio, AM 540 in Central Utah www.knakradio.com 9:00 AM (MST) * Download the broadcast at www.realestateinfocus.com About Sam Bushman: According to Sam, the words “Family Man” describe him to a T. His wife, Julie, and seven children are his treasures. Sam grew up in the real estate industry. His father was a general contractor and Sam spent his childhood summers hauling plywood to the rooftops. Sam has been a real estate investor for 20 years. He and his wife are loan consultants with Benchmark Home Loan and Commercial Funding in Pleasant Grove, UT. He enjoys assisting families with real estate financing. Sam is a veteran radio broadcaster as well. He owned a radio station for ten years and has been an on air talent for even longer. He has now combined the fields of real estate and radio broadcasting to create his newest talk show, Real Estate in Focus. Your Radio Resource for All Things Real Estate en-us You have the right to copy sam@bmcfunding.com http://www.realestateinfocus.com 144 144 clean no Talk Radio Sat, 16 Aug 2008 00:00:00 -0700 podzone-1991 Sam Bushman 8/16/08 - Interview with Stan Barron - The House Whisperer - www.stanbarron.com Stan Barron has owned his own real estate business in Austin since 1982. He began his career in 1975 with U.S. Home and then accepted a position as the marketing director at Stratford Press in 1980 where he helped produce a string of bestsellers such as Looking Out For Number One and Crisis Investing. Barron attended the University of Texas at El Paso. His greatest thrill thus far was receiving an endorsement from David Ogilvy himself for producing one of the best print ads during the last decade. Stan Barron listens to houses to find out what will make them sell. Because of his uncanny ability to listen to a home and by borrowing an advertising method created by marketing legend David Ogilvy, the House Whisperer has succeeded in selling some of Austin’s most expensive homes (which have been on the market for 6-12 months) in less than a month. Instead of just touching upon the cold facts, such as square footage and number of rooms, Barron spends time delving into the story behind the home. He gives each house his full attention as he researches the previous owners, the builder and the home’s true personality. Learn from the best and sell your home even in a "down" market today! Sam Bushman Real Estate - the Key to your Financial Future 8/16/08 - Interview with Stan Barron - The House Whisperer - www.stanbarron.com Stan Barron has owned his own real estate business in Austin since 1982. He began his career in 1975 with U.S. Home and then accepted a position as the marketing director at Stratford Press in 1980 where he helped produce a string of bestsellers such as Looking Out For Number One and Crisis Investing. Barron attended the University of Texas at El Paso. His greatest thrill thus far was receiving an endorsement from David Ogilvy himself for producing one of the best print ads during the last decade. Stan Barron listens to houses to find out what will make them sell. Because of his uncanny ability to listen to a home and by borrowing an advertising method created by marketing legend David Ogilvy, the House Whisperer has succeeded in selling some of Austin’s most expensive homes (which have been on the market for 6-12 months) in less than a month. Instead of just touching upon the cold facts, such as square footage and number of rooms, Barron spends time delving into the story behind the home. He gives each house his full attention as he researches the previous owners, the builder and the home’s true personality. Learn from the best and sell your home even in a "down" market today! clean 00:46:46 Stan Barron, the House Whisperer, real estate no Sat, 26 Jul 2008 00:00:00 -0700 podzone-1907 Sam Bushman 7/26/08 - Sam details several stories in the press about the financial problems in the market. Quite a negative show but necessary to help all understand what is going on and why. "Concern Mounts About FDIC Deposit Fund" Many say it will fail and require us tax payers to be on the hook. "Fannie, Freddie Spent Millions on Lobbying" They got special favors for all their money. Now we the people are going to be forced to bail them out. They are "Too Big To Fail"! "Housing Bill Ending Downpayment Assistance Looms!" Many say this will be the end of the world. We personally think it will be good. "Stocks Drop Sharply; Banks Lead Decline" Investors are worried that the worst of the tight credit market still lies ahead. The report from the National Association of Realtors... Reinforced fears that the weak job market and scarcity of credit are discouraging Americans from buying homes. Those who may be in the market for a house may find it harder to take out a mortgage. Sam Bushman Real Estate - the Key to your Financial Future 7/26/08 - Sam details several stories in the press about the financial problems in the market. Quite a negative show but necessary to help all understand what is going on and why. "Concern Mounts About FDIC Deposit Fund" Many say it will fail and require us tax payers to be on the hook. "Fannie, Freddie Spent Millions on Lobbying" They got special favors for all their money. Now we the people are going to be forced to bail them out. They are "Too Big To Fail"! "Housing Bill Ending Downpayment Assistance Looms!" Many say this will be the end of the world. We personally think it will be good. "Stocks Drop Sharply; Banks Lead Decline" Investors are worried that the worst of the tight credit market still lies ahead. The report from the National Association of Realtors... Reinforced fears that the weak job market and scarcity of credit are discouraging Americans from buying homes. Those who may be in the market for a house may find it harder to take out a mortgage. clean 00:46:46 Fannie Mae, government, real estate, finances, FDIC no Sat, 19 Jul 2008 00:00:00 -0700 podzone-1906 Sam Bushman 7/19/08 - Sam goes off on the economy! Yes, there are problems but the mainstream press either has one extreme or the other. The financial system is failing or, it's doing great. Would they make up their mind? Neither extreme is accurate. The truth, in reality, is somewhere in the middle depending on how you have handled your own personal finances. The same facts are true on a larger scale like a bank. Several tips to help people keep jobs. Lenders need to start looking at capacity, credit and colateral when making loans. Most Americans are helping out loved ones with money. The ones who have money to share with family are also the ones who understand proper money managment. Sam thinks the housing downturn is about half over. Sam Bushman Real Estate - the Key to your Financial Future 7/19/08 - Sam goes off on the economy! Yes, there are problems but the mainstream press either has one extreme or the other. The financial system is failing or, it's doing great. Would they make up their mind? Neither extreme is accurate. The truth, in reality, is somewhere in the middle depending on how you have handled your own personal finances. The same facts are true on a larger scale like a bank. Several tips to help people keep jobs. Lenders need to start looking at capacity, credit and colateral when making loans. Most Americans are helping out loved ones with money. The ones who have money to share with family are also the ones who understand proper money managment. Sam thinks the housing downturn is about half over. clean 00:46:46 economy, housing, real estate no Sat, 12 Jul 2008 00:00:00 -0700 podzone-1861 Sam Bushman 7/12/08 - Interview with Mark Hanson, better known as Mr. Mortgage. www.ml-implode.com Sam and Mark discuss the failure of Indymac Bank ... the second largest bank to fail in the US. Will Fannie Mae and Freddie Mac be next to fail? Will the Feds take them over? We believe there are many solutions in the private sector that should be looked at for answers. Mr. Mortgage has a fantastic blog on line and a series of training youtube.com videos that are helping consumers learn about what can help them buy homes at great deals. It's a great time to buy a home if you know what to look for. Mr. Mortgage videos also help with loan modification for those who are in trouble. You can watch the videos at www.ml-implode.com and you can get help with loan modification if you don't feel comfortable doing it yourself. You can go to www.getgreencredit.com for help with your mortgage. We recommend getting assistance. Get Green Credit is the best and has been audited 8 times and has passed with flying colors. Now is a great time to buy if you are careful. Nothing, and we mean nothing takes the place of education. A must listen to interview full of solutions. Sam Bushman Real Estate - the Key to your Financial Future 7/12/08 - Interview with Mark Hanson, better known as Mr. Mortgage. www.ml-implode.com Sam and Mark discuss the failure of Indymac Bank ... the second largest bank to fail in the US. Will Fannie Mae and Freddie Mac be next to fail? Will the Feds take them over? We believe there are many solutions in the private sector that should be looked at for answers. Mr. Mortgage has a fantastic blog on line and a series of training youtube.com videos that are helping consumers learn about what can help them buy homes at great deals. It's a great time to buy a home if you know what to look for. Mr. Mortgage videos also help with loan modification for those who are in trouble. You can watch the videos at www.ml-implode.com and you can get help with loan modification if you don't feel comfortable doing it yourself. You can go to www.getgreencredit.com for help with your mortgage. We recommend getting assistance. Get Green Credit is the best and has been audited 8 times and has passed with flying colors. Now is a great time to buy if you are careful. Nothing, and we mean nothing takes the place of education. A must listen to interview full of solutions. clean 00:46:46 Mr. Mortgage, Mark Hanson, www.ml-implode.com, Indymac Bank, no Sat, 05 Jul 2008 00:00:00 -0700 podzone-1832 Sam Bushman 7/5/08 - Interview: Joe Sturniolo His new book: The Caterpillar That Roared What are the ROAR workshops? People dedicate about 40 years to their careers, juggling deadlines, bosses, all the while nurturing that nest egg of funds for fun-filled retirement years. Although some are financially secure, Boomers need to "develop the plan behind the plan" says Joe Sturniolo, entrepreneur and owner of a successful Denver-based financial planning firm. Sturniolo suggests rather than focusing solely on saving money, more attention should be devoted to the next step; what can you accomplish after you retire? We need to work towards quality of life through serving others. People who spend their time in service actually live longer and have more fulfilled lives. Learn to understand what your passions and talents are and use them for good throughout your life. www.timetorar.com Sam Bushman Real Estate - the Key to your Financial Future 7/5/08 - Interview: Joe Sturniolo His new book: The Caterpillar That Roared What are the ROAR workshops? People dedicate about 40 years to their careers, juggling deadlines, bosses, all the while nurturing that nest egg of funds for fun-filled retirement years. Although some are financially secure, Boomers need to "develop the plan behind the plan" says Joe Sturniolo, entrepreneur and owner of a successful Denver-based financial planning firm. Sturniolo suggests rather than focusing solely on saving money, more attention should be devoted to the next step; what can you accomplish after you retire? We need to work towards quality of life through serving others. People who spend their time in service actually live longer and have more fulfilled lives. Learn to understand what your passions and talents are and use them for good throughout your life. www.timetorar.com clean 00:46:46 Joe Sturniolo, The Caterpillar That Roared, finances, service no Sat, 28 Jun 2008 00:00:00 -0700 podzone-1806 Sam Bushman 6/28/08 - Interview: Dina Dove - www.BagLadysGuide.com It’s a hard time to be an American. Nearly half of us are struggling to stay afloat financially. 4 in 10 Americans live paycheck to paycheck…and they are just pleased to have jobs at a time where the unemployment rate is rising. Dina Dove should know. At age 41 Dove plummeted from a successful business owner to unemployed, newly divorced and 250-thousand dollars in debt. Dove turned her life around by realizing all hardships are blessings in disguise. The Hidden Blessing in a Foreclosure, the IRS or Getting Fired - Woman Who Lost It All Tells How To Live a Better Life "It is not our circumstances,but our attitude toward those circumstances that dictates the quality of our lives," says Dina Dove author of the new book "The Baglady’s Guide to Elegant Living." Great Interview in these tough times of financial difficulty! Sam Bushman Real Estate - the Key to your Financial Future 6/28/08 - Interview: Dina Dove - www.BagLadysGuide.com It’s a hard time to be an American. Nearly half of us are struggling to stay afloat financially. 4 in 10 Americans live paycheck to paycheck…and they are just pleased to have jobs at a time where the unemployment rate is rising. Dina Dove should know. At age 41 Dove plummeted from a successful business owner to unemployed, newly divorced and 250-thousand dollars in debt. Dove turned her life around by realizing all hardships are blessings in disguise. The Hidden Blessing in a Foreclosure, the IRS or Getting Fired - Woman Who Lost It All Tells How To Live a Better Life "It is not our circumstances,but our attitude toward those circumstances that dictates the quality of our lives," says Dina Dove author of the new book "The Baglady’s Guide to Elegant Living." Great Interview in these tough times of financial difficulty! clean 00:46:46 Dina Dove, www.bagladysguide.com, finances no Sat, 21 Jun 2008 00:00:00 -0700 podzone-1784 Sam Bushman 6/21/08 - "So Much For Free Markets: Federally Sponsored Mortgages at 90% Share" This is a complete take over of the home loan business by government. America should never let this happen. "State Law Slashes Foreclosure Rate, for Now" What gives the state authority to do this? "FHA Waives 90-Day Waiting Period for Resales" Fighting one problem will just create another. We need to look at finance fundamentals. "WaMu Will Discontinue Two Mortgage Products" This will unfairly squeeze families even more in the credit crunch. "Wachovia to Clarify Loans Where You Pick Payment" This is a great private sector solution and a great idea to help borrowers. Ing Direct Bank also has a bi-weekly private solution coming according to our friend, Scott at ING Direct Bank. Both Wachovia and ING Direct have portfolio private products and solutions that are great. They also both have bi-weekly programs that help families gain equity in their homes. Let's look towards the private sector for solutions. Sam Bushman Real Estate - the Key to your Financial Future 6/21/08 - "So Much For Free Markets: Federally Sponsored Mortgages at 90% Share" This is a complete take over of the home loan business by government. America should never let this happen. "State Law Slashes Foreclosure Rate, for Now" What gives the state authority to do this? "FHA Waives 90-Day Waiting Period for Resales" Fighting one problem will just create another. We need to look at finance fundamentals. "WaMu Will Discontinue Two Mortgage Products" This will unfairly squeeze families even more in the credit crunch. "Wachovia to Clarify Loans Where You Pick Payment" This is a great private sector solution and a great idea to help borrowers. Ing Direct Bank also has a bi-weekly private solution coming according to our friend, Scott at ING Direct Bank. Both Wachovia and ING Direct have portfolio private products and solutions that are great. They also both have bi-weekly programs that help families gain equity in their homes. Let's look towards the private sector for solutions. clean 00:46:45 no Sat, 14 Jun 2008 00:00:00 -0700 podzone-1750 Sam Bushman 6/14/08 - There are three kinds of equity found in most homes....Appreciation, down-payment and principal reduction. We have been deceived in America. We want to depend on magic appreciation to give us all the equity in our homes. We should look at appreciation as a bonus but focus on down-payment and principal reduction as our main means of equity building. 80% of the population have 4 main financial destinations: 1. Retire early 2. Put kids through college. 3. Buy a dream home. 4. Have more time for travel and leisure. Making money is good, but is rarely the focus of those who truly gain financial independence. Learn the formulas required to manage money and you can build wealth over time. Even those who make lots of money but don't know how to manage/ invest it go broke. Sam Bushman Real Estate - the Key to your Financial Future 6/14/08 - There are three kinds of equity found in most homes....Appreciation, down-payment and principal reduction. We have been deceived in America. We want to depend on magic appreciation to give us all the equity in our homes. We should look at appreciation as a bonus but focus on down-payment and principal reduction as our main means of equity building. 80% of the population have 4 main financial destinations: 1. Retire early 2. Put kids through college. 3. Buy a dream home. 4. Have more time for travel and leisure. Making money is good, but is rarely the focus of those who truly gain financial independence. Learn the formulas required to manage money and you can build wealth over time. Even those who make lots of money but don't know how to manage/ invest it go broke. clean 00:46:46 real estate, appreciation, equity building no Sat, 07 Jun 2008 00:00:00 -0700 podzone-1726 Sam Bushman 6/7/08 - Interview with STEVE SELENGUT, Author/financial expert/speaker. Steve Selengut is a professional investment manager who gives insight into managing investment portfolios safely and productively. He is not a Wall Street stiff or Stock Market predictor; he is just a manager with time tested conservative strategies that actually work. His most recent book is, "The Brainwashing of the American Investor." **REAL ESTATE INVESTMENTS MAY NOT BE POPULAR RIGHT NOW BUT FINANCIAL EXPERT EXPLAINS WHY IT MAY BE TIME TO RE-THINK THAT PARADIGM** TIME TO INVEST IN REAL ESTATE? Financial Expert says 'Yes'. The right real estate investments offer no overhead, which actually makes them much easier to manage. In fact, if the right avenues are pursued, real estate can be purchased much the same way as common stock. Steve tells us how! www.sancoservices.com Sam Bushman Real Estate - the Key to your Financial Future 6/7/08 - Interview with STEVE SELENGUT, Author/financial expert/speaker. Steve Selengut is a professional investment manager who gives insight into managing investment portfolios safely and productively. He is not a Wall Street stiff or Stock Market predictor; he is just a manager with time tested conservative strategies that actually work. His most recent book is, "The Brainwashing of the American Investor." **REAL ESTATE INVESTMENTS MAY NOT BE POPULAR RIGHT NOW BUT FINANCIAL EXPERT EXPLAINS WHY IT MAY BE TIME TO RE-THINK THAT PARADIGM** TIME TO INVEST IN REAL ESTATE? Financial Expert says 'Yes'. The right real estate investments offer no overhead, which actually makes them much easier to manage. In fact, if the right avenues are pursued, real estate can be purchased much the same way as common stock. Steve tells us how! www.sancoservices.com clean 00:46:46 Steve Selengut, real estate investing, no