As much as we like to complain how stagnant the industry is, the amount of disruption coming is nothing short of incredible. Everyday more money is being used to fuel new companies that are committed to improving the consumers’ transaction. Today Joe provides an update on what industry professionals and consumers need to know about the disruption heading our way.

• Embracing future models

• Shrinking margins and revenue

• Virtual real estate offices

• What will consolidation mean for consumer

Another rate hike from the Feds! While interest rates do not directly affect 30 year mortgages, it does impact home buyers and owners starting now. Today Joe answers three big questions everyone has following today’s rate hike. Specific topics include:

• How could the market potentially be affected?

• How does the rate hike affect current home buyers?

• What does this mean for home owners?

We are all very aware that Wells Fargo has fallen on some tough times when it comes to consumer complaints. Lawsuits are piling up as the company gets caught with false accounts, mortgage fees and more. Today Joe looks back at the problems plaguing Wells Fargo and questions if they change the way you do business with this banking giant. Joe also discusses new expanded mortgage programs you’ll be hearing more and more about that allow more people to qualify:

• FHA vs jumbo loans

• Non-QM programs

Not too long ago we learned how the internet is helping disrupt the insurance industry. For better or worse, insurance products are something that all growing companies have to think about. Today Joe and Jack Russo discuss the types of business insurance you have to think about if you’re serious about getting your business to grow. Specific topics include:

• General commercial liability

• D&O coverage

• E&O coverage

• Cyber insurance

Throughout her career she has stayed on the cutting edge of real estate. Today Joe welcomes back Geraldine Barry of Geraldine Barry and Associates to learn about what’s going on in Silicon Valley’s economy and more. Specific topics include:

• Offshoring effectively with Intellisys Technology

• Insights from the SJSU economic summit

• Silicon Valley’s economic landscape

• Maintaining economic growth

• Incentivizing affordable housing

• Mass exodus of California

There are plenty of retirees and non-traditional job holders that feel they are not exempt from financing all-together. This is simply not true. First off Joe takes a look at financing for retirees and anybody not working the 9-5.

While we did away with many of the programs that caused the Mortgage Meltdown, one short-term loan is making a comeback as investors search for more liberal financing in slow markets. In the second segment Joe discusses the return of stated income programs.

In a rare move when the trend has been up, interest rates take a significant drop. The result? Buyers now have more buying power and refinancers have another shot at taking advantage of all that equity. Today Joe looks at what could trigger you into refinancing your mortgage.

Buyers have had it tough competing against swarms of offers and overbidding, but buyers still have a chance even if they're in need a pep talk. Joe stresses the importance of entering this market confident and prepared.

It’s a tough day when you realize mom or dad can no longer live alone. One option is finding something between living home alone and moving into a nursing facility. Today Joe welcomes Gene Guarino of Residential Assisted Living Academy to talk about creating a home-like living situation for seniors. Topics:

• What is assisted living and how does it differ from nursing homes?

• Where are these homes needed?

• How to put together an assisted living facility

• Business models

• RCFE rules and

Collective intelligence is making its way to the internet as we enter the conceptional age where ideas take on value more quickly than they used to. General Data Protection Regulation (GDPR), you’ve probably heard about it by now but not might understand why this it is such a big deal. Joe and Jack Russo talk about this major EU legislative effort that affects companies and consumers in and outside the European Union.

These days it seems just about every industry is facing major disruption and your life insurance is not excluded. No matter what age there's a better insurance for you, even if that means refinancing your insurance or changing plans altogether. Today Joe takes new approach to life insurance with Instalifenow.com founder, Harry Grundmann. Topics:

• How life insurance mixes with real estate

• Life insurance at different ages

• Instant issue insurance

• Life insurance tech

• Plummeting premiums