At this point in your business you’ve had investors and you’ve issued shares. Incentive plans are becoming more normal in the workplace, but they way their being used is changing. Stocks are a great way to set up a special bonus plan if the business gets sold and your stock hasn’t vested. Today Joe and Jack Russo discuss how to use stocks and o ...…

The holiday season has finally passed and it’s time we all got back to business. Whether you’re thinking about moving once school is over or thinking it’s time to make that first home purchase, pricing is the biggest factor facing consumers. Home offers are picking up and while we don’t know if we will enter another scorching market like the on ...…

In the Bay Area equity can be too much of a good thing. The average home price has risen quickly and sharply all around Silicon Valley which has left long time homeowners with a lot of wealth tied up in an illiquid asset. If only there was a way you could take advantage of your equity without having to sell your home. Today Joe and Steve Hotove ...…

Adding talent to your team is a difficult thing to do, but is a necessary process for any company looking to grow its business. Jack Russo takes over as host today with new guest and serial entrepreneur, Andrew Gardiner. Andrew helps companies recruit and implement the best talent possible to help them facilitate their goals through companies s ...…

Whether you’re watching television, reading the news, surfing the internet or even listening to a podcast, there is a lot of noise out there related to real estate. As a professional lender and agent Joe and Mike often work with consumers who hold beliefs about real estate that are just simply not true. Today Joe and Mike look to shut out some ...…

Anytime a new or foreign program comes out we feel that it is our job to educate you the consumer about it. When it comes to accessing your homes wealth it’s important to know what options are out there and which can leave you with unnecessary debt. Today Joe and Mark Rogers discuss how you can access your homes wealth without taking on debt. S ...…

You’ve got the idea, you’ve got the team, you’ve got the domain names and everything you need to really get your product into consumers’ hands. All you need now is to put your foot down on the pedal and accelerate sales. Today Joe and Jack Russo are joined by special guest, Marc Canter, who has come up with a brilliant idea and is at that stage ...…

Conventional wisdom would leave most consumers to believe financing is super conservative right now. To a certain extent most consumers would be correct, but a lot of people would be surprised at what non-QM financing will get you these days. Non-QM financing has really come to the forefront and you might be surprised to find out just how many ...…

For over 15 year Steve Hotovec helped consumers manage taxes, stocks, bonds mutual funds and more, but one investment often left out is where most consumers have about 70% of their net worth tied up. Today Steve has groups and products that allow homeowners to intelligently access home wealth without taking out a loan or hurting their current e ...…

Congratulations! You’ve made it to the level of growing your business! By now your business is looks like it’s actually going to work, consumers are giving you thumbs up and more people are needed to make your business run. Bringing on a partner can be exciting and complicated and in some ways as serious as a marriage born out of necessity. Tod ...…

It’s busy, it’s expensive and there’s a lot of stuff going on, but there is still a lot of interest when it comes to investing in Bay Area real estate. In fact over the last 5 decades real estate has appreciated an average of 3% a year. How many investments can you think of that can boast that number? Whether you’re in this market as a consumer ...…

Over the last 10 years home prices have escalated incredibly which means homeowners have seen a dramatic increase in their homes equity. In fact surveys suggest that homeowners may have 70% or more of their entire wealth tied up in their home. Having a majority of your wealth in one illiquid asset can be a mixed blessing that our friends at Bar ...…

In 2018 Jack Russo joined the RERL team and taught us just about the concepts and steps one needs to take when starting a business. One year later 2019 is time to change gears and discuss growing your business. This time Joe and Jack will address major questions regarding how to accelerate your growth and what can you do about the various legal ...…

Exciting news is what today’s podcast is all about. Bundle Select has officially announced their employee real estate platform. Exclusive only to certain companies, it doesn’t matter what size your company is or where in the US you are located; all you need to do is connect and figure out if you and your company qualify as a good match! Today J ...…

The holidays are officially over and we are ready to take on 2019! Joe is kicking off the New Year with some good news for anyone paying attention to interest rates and some even better new for buyers entering the market. Tune in as Joe explains all the new opportunities that await you as a New Year begins. Specific topics include: The drop in ...…

Small business owners often refrain from building a sales and marketing division within their company. Not only can creating your division be costly, it usually becomes an unneeded headache and that takes up much needed time. Jack Russo takes over as host in today’s podcast as he welcomes back Steve King, CEO of UberConnectForce. Specific topic ...…

Am I positioned correctly? Should I get preapproved now? What else should I be doing now? Buyers and sellers have a lot to think about with 2018 coming to a close and the market looking much different from previous years. A changing market will not only require buyers and sellers to come up with new strategies to complete the transaction, but t ...…

“Hey, let’s do our own thing” Believe it or not that’s pretty much how Rick Arvielo and his wife Patty started New American Funding. While Patty knew the ins and outs of the real estate business, serial entrepreneur Rick came in to the business with a whole lot of knowledge about marketing and technology. Together they made a marriage that is c ...…

Joe’s guest today is someone who started working in real estate at 16 years old and 36 years later still doesn’t feel she has completely mastered the business. A successful entrepreneur, Patty Arvielo is known as the President and Co-Founder of New American Funding. Listen in as Joe and Patty discuss everything from building a competitive mortg ...…

One million Hispanics will be turning 18 this year and compared to their non-Hispanic counterparts they are getting married and forming household at a younger age. The best thing agents and lenders could do now is to begin understanding the cultural nuances of this demographic and find a way to serve them. Today Joe talks with New American Fund ...…

Being one of the many people in the US who describe themselves as house rich and cash poor can be a great problem to have. On one hand your net worth is increasing, on the other it is in an illiquid asset that is not easily accessed, until now. Today Joe and Steve Hotovec discuss a new way of accessing your homes wealth without taking on debt. ...…

We are halfway through December and business owners will want to end the year in the right way. Tax planning begins now if you don’t want to make last minute scrambles looking for deductions and another thing you don’t want is for the company to be under litigation attack leaving you to worry about if they pierce through the corporate veil even ...…

Few young people know who they are when starting out in life; in fact it is quite common to only know who you aren’t. Timeless LLC has a vision: Everyone successfully learns from failure. Through Timeless, Elijah Caldwell offers coaching programs to help consumers never make the same mistake twice, a keystone of successful people. Today Joe tal ...…

From time to time now you’ve heard Joe say the phrase “leverage instead of liquidate”. He’s not trying to be repetitive; it’s just something that he is a big believer in! In today’s market leveraging instead of liquidating is the best strategy (if possible) for most. How so? Listen in as Joe plays out several scenarios where leveraging assets f ...…

Buyers got buried the last several years and many potential buyers lost interest in hope to buy altogether. Currently, homes are spending more days on market and sellers are responding by being more open during negotiations and reducing their asking price. The real estate business is not over and now more than ever is the time to educate yourse ...…

Education and information is the heart of what we believe in at Real Estate Radio Live and that involves everything in and around real estate. Today Joe is joined by Director of Multicultural Affairs, Eva Melgarejo, whom New American Funding relies on when it comes to educating the Latino community about the Latino Focus Initiative. Specific to ...…

Longtime home owners know there are many ways to take advantage of your homes equity, but reverse mortgages come with restrictions and HELOC’s are not ideal in a rising rate environment. As we roll into 2019 Joe and our friends at Barastone want to make you aware of another option available to you. Today Joe and Mark Rogers discuss ways to help ...…

The last several years the Bay Area experienced a strong sellers market. Currently the market is more level and everyone will need to adjust to these changes. So what should professionals and consumers be doing to put themselves in a better position for a changing market? Today Joe discusses the best strategies for a buyer’s market. Specific to ...…

When it comes to mortgages most of us are used to the traditional mortgage with the debt and liabilities sold to us by banks. As with everything time and technology are changing everything including your mortgage program. Today Joe and Mark Rogers discuss the home equity sharing program that allows home owners to access their homes wealth witho ...…

Dealing with fraud has not only become part of your everyday life, it has become part of everybody’s internet presence. The internet has made the transfer of money so easy and quick that it may feel as if safety had taken a back seat to convenience. Today Joe and Jack Russo discuss online fraud and how small businesses owners can deal with it. ...…

It would be easy to say that this podcast is geared for the consumer, but today’s guest has grown an empire in the business accomplishing what many longtime professionals are still looking for. Jeff Cohn, founder of Elite Real Estate Systems, calls in to RERL to talk the market, coaching agents and more with our host, Joe Cucchiara. Specific to ...…

The home has to be America’s favorite illiquid asset. Most Americans find most of their wealth tied up in their current residence, which poses major problem to those in need of money now. Convert equity into longtime income for retirement without having to sell your home. Today Joe and Steve Hotovec discuss how homeowners can access capital fro ...…

Leaving for college is tough on every teen leaving home and “adulting” for the first time. Matthew Decker is one of many people worldwide who are uniting their faith with their passion for sports through the Fellowship of Christian Athletes. Today Joe learns about coaches and athletes who empowered to pursue a life of Christ through sports. Spe ...…

The last few years Joe and Mike saw hundreds of buyers lose out on offers due to the sheer insanity of the market. Today the market is less steamy and hopeful buyers finally have some options in a market that has downgraded from fantastic to normal. Even if a consumer is a little short on the home they really want, a chat and some planning with ...…

By now hopefully you’ve gotten some cash flow coming and it’s time to put the gas pedal down harder and lever up your business. In fact your deposits may have grown large enough that the bank will recognize you as a real company and offer you a secured line of credit! Without even realizing it you’ve made the bank a silent partner whose debt ta ...…

The market is leveling out and hesitancy is affecting both sides of the market. The average time a home spends on the market is increasing and sellers now have to put a little effort into their sale to attract offers at rates we are used to seeing. What is a buyer to do? Today Joe and Mike discuss creative solutions and strategies that can set ...…

The hottest topic in real estate for the longest time was the extreme run up in appreciation. Today, after we all got comfortable with the seller’s market, all you seem to hear about is the shift towards a buyer’s market. Much of the media has gotten consumers full of fear of the changing markets when instead it should be viewed as a new wave o ...…

There are several ways to access your homes equity which is pretty handy for those of us with more equity than income. The only thing standing in your way is the fact that your home is a large illiquid asset and most of us aren’t ready to move quite yet. So how can you generate income using your largest asset? Today Joe and Steve Hotovec discus ...…

With all the information available it can be hard not to feel like an expert in real estate. Since Bay Area home values can range from a bit pricey to incredibly expensive it can be extremely tempting to save a bit and manage the transaction on your own. Joe and Mike are two guys who are involved in real estate every day and to be blunt, you ar ...…

As we edge towards retirement many consumers look to take advantage of their homes wealth. Unfortunately we can’t really take advantage of that equity unless we meet specific expectations and agree to take on bad debt. If only we had ways to access that money with zero restrictions. Today Joe discovers more about this new product from Mark Roge ...…

Many people in the United States could be described as house rich and cash poor. Now that interest rates are going up there are only a limited amount of things you can do with your home, but new products are on the way. Today Joe welcomes back Steve Hotovec and Mark Rogers of Barastone who are always looking for ways to create liquidity that he ...…

After what feels like forever, Mike D’Ambrosio is back together with Joe! ... For podcast purposes at least :) To kick off their new Wednesday reunion Joe and Mike team up and do what they do best, be Italian and talk real estate! Hold on to your spaghetti as Joe and Mike discuss: Why it’s a great time for buyers Mike’s inventory update Value h ...…

Joe is tired of listening to media dramatizing the news just to get your attention. Rates are on the way up, but 5% on a 30 year loan is still historically good money. The truth is interest rates are not the only factor when it comes to whether or not you should consider buying a home, it’s a whole lot more complicated than that. The right time ...…

Belief in your product is a must for any startup, and a good sign for entrepreneurs is discovering other people believe in your product. The early years are often the most difficult for new businesses and angel investors can be a big help when money gets tight. So how do you convince someone like Leigh Soutter of Florence Venture Partners to ev ...…

Fact: The market is still a good sellers market. Fact: It is also an exceptional buyers market. While Bay Area and US home prices are still extraordinarily high, a plateauing market and increasing rates have given buyers a greater voice during negotiations. Now that easy money is off the table, Joe explains why buyers and sellers today need to ...…

Data breaches are happening more and more frequently and any person or business using social media is at risk. Not only can hackers hold social media platforms for ransom, but they can straight up copy your profile and use your likeness for fraudulent schemes. Today Joe, Jack Russo and Lucy Goodnough step into the studio to talk about what you ...…

October is set up to be an interest month for real estate for a market that is shifting from a sellers market to a buyers market. Even as schools start and people settle in for the holidays, Joe is still fielding calls about bridge loans, cross-collateralization and other creative ways to finance a mortgage. Could one of these alternative finan ...…

When it comes time to face a major battle good friends and a strong community can make all the difference and for Kara Jones her friend and neighbor Terri has been just that. Today these two friends join Joe for a final time to tell us about the difficulties Kara’s son faces living with Nephrotic Syndrome. There is no known cure for Nephrotic S ...…

Big changes are coming for the real estate world, but good people are still in high demand. Between companies competing for business in a slowed market and the increasing demand for technology we have to ask ourselves “Do any of us know what consumers really want?” It’s probably not offering services that cost consumers more in the long run. To ...…

It’s hard not to think of where we live as a place loaded with wealth and good fortune, but there are thousands of causes reaching out for help in the Bay Area alone. As part of our show Joe tries to help raise awareness by spotlighting specific organizations that are in need of your help. Today Joe welcomes back Kara Jones to share more about ...…