Today Bobbi and Buddy turn their attention to Michael Verdone, a long time local advocate who has been working alongside the NAR and CAR on property rights issues. Topics include:

• How the NAR works with Congress on tax code changes

• Tax reform in the House versus what the Senate is proposing

• Why is Congress coming up with poor ideas?

• Is a business cut of 20% the right number?

• Cutting costs vs. creating new taxes

• And much more!

One of the biggest tax proposal issues concerns your mortgage. Currently interest can be deducted on mortgages up to $1,000,000. The new amendment would drop that amount by half; a big hit to Californian’s with high home prices.

A new objective for Joe is to see how many renters he can get out of their rental and on their way to home ownership. Today Joe rants about renters who spend too much time saying "I can't". Your first home is rarely your forever home, but your first steps towards a home you wan

Calling in today is Bootstrap Legal Founder and CEO, Amy Wan. Amy has created software which automates the drafting of legal paperwork for real estate crowdfunding deals, making it cheaper, faster and easier for consumers. Specific topics include:

• Syndication and crowdfunding

• Raising capital under regulation

• What is congress doing that will affect your ability to raise capital?

• Is there a minimum investment and can you allocate over different properties?

What could possibly be more California than taking a dip in your very own pool on a hot summer day? In the studio with Joe today is Justin Oliver from Action Pool & Spa. Whether you're looking at investing in a pool or want to know if the company servicing your pool is doing an adequate job, Justin is here to answer all your questions. Specific topics include:

• Servicing process overview

• Chlorine vs. salt

• Current and future pool technology

• Maintenance & problem solving

• Different pool

All gave some and some gave all. Taking a moment to honor the men and women who have proudly served this country Bobbi and Buddy are joined by veteran Navy pilot Max Bramston who bravely defended the United States. After hearing about Max’s decision to sign up for the draft and everything that happened after, Bobbi, Buddy and Max will discuss:

• How Veterans Day came to be

• Tuskegee Airmen

• Veteran and veteran family stories

• Veteran loans

• The first woman to be honored in WWII

Joining Joe in studio today is licensed appraiser John Montgomery of Montgomery Appraisal to talk about what he knows best. Joe will start off by asking John for a quick 101 on home appraising. Also in discussion:

• Assigning value to a home

• Challenging properties to assess

• What to do with non-permitted additions

• Challenges in a market that is constantly changing

• What affects long term value?

• What constitutes the cost of appraisal?

• When consumers disagree with the assessor

From mortgages to student loans to credit cards, debt is a part of our life. While we normally view debt as something bad, good debt does exist! Throughout today’s show Joe will provide us with general education on debt and even delve into more specific areas including student and business loans. Specific topics include:

• General debt overview and why you need debt

• Establishing credit

• Bad debt- Credit card debt and student loans

• Good debt- Mortgage loans

New studies and research are out and that means consumers have new wants and expectations from their lenders and agents. Not surprisingly the top two consumer complaints circle around the lack of communication and ability to negotiate costs and fees. Topics include:

• What is your marketing plan ?

• How are you using technology to improve the transaction?

• How do your rates and fees compare in the marketplace?

• What percentage of your business is purchase vs. refinance?

• And more!

Now that contingent offers are working their way back into negotiations again it’s time to address the newest frustrations for buyers. Selling your home then renting for a bit is an ideal solution that may not work for most. Today Joe addresses strategies that your chances of having your offer accepted:

• Rent back agreements

• Listed ready homes

• Bridge financing

• Cross- collateralization

• Dave is one of many receiving calls to refinance his PMI. Is this something he should consider?

According to an Inman article the NAR has committed $15 Million to funding Upstream, a massive all in one tool designed to help realtors. You’ll also read that the project is currently 17 months behind schedule. Is it too late for the NAR to catch up and compete? Today Joe takes a fresh look at disruption in the real estate industry:

• VC doors are wide open for real estate startups

• Biggest names in residential startups

• What models Joe believes have the most promise and which don’t