Today Joe welcomes Rainy Hake, Chief Operating Officer from Alain Pinel Realtors. Together they discuss the demographics of Bay Area buyers with nearly 35% of them being international. Rainy gives Joe the outsider’s perception of Silicon Valley, explaining what make us appealing. They talk about the barriers international buyers often deal with, fostering relationships with these buyers and how technology is changing the market both internationally and locally. Rainy then shares an amusing story about some unintended consequences that come when you are targeting international markets.

She also responds to a listener’s question on if now is a good time to buy investment property with positive cash flow, and if there is anything available in the Bay Area in the $500,00 range.

Be sure to call in with your questions during the show at 1(800)516-1220 between 3:00 p.m. and 4:00 p.m. PST on AM 1220 KDOW. To learn more about all our hosts and how to contact them, simply visit www.RERadioLive.com.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Bobbi Decker CalBRE 00607999. Mike D’Ambrosio CalBRE 01841982. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

Today Mike calls on Joes' expertise as a W.J. Bradley mortgage planner. Together they'll cover several aspects of down payments including:

To contact Mike D'Ambrosio you can visit his website at www.MikeSellsSiliconValley.com, email him at [email protected] or call at (408)630-0101.

Be sure to call in with your questions during the show at 1(800)516-1220 on Fridays between 2:00 p.m. and 3:00 p.m. PST on AM 1220 KDOW. To learn more about all our hosts and how to contact them, simply visit www.reradiolive.com.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Bobbi Decker CalBRE 00607999. Mike D’Ambrosio CalBRE 01841982. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

Bobbi and Buddy call up Tommy and Linda Saupe for another exciting show about collecting. Tom and Linda will discuss how people get into collecting, their individual and shared collections and compare the pros and cons of timeless collections. They also talk about the noticeable differences between what baby boomers and millennials find collectable. Tom and Linda then take an in depth look at several processes for shedding a collection such as: dealing with appraisals, leaving collections to family or friends and even donating to hospitals, museums or other venues.

If you would like to get in touch with Tom or Linda, you are free to email them at [email protected]

Be sure to check out our website for additional resources, exquisite properties and more at www.BobbiDecker.com. To reach Bobbi directly call 650 346 5352 or email her at [email protected].

Be sure to call in with your questions during the show at 1(800)516-1220 between 3:00 p.m. and 4:00 p.m. PST on AM 1220 KDOW. To learn more about all our hosts and how to contact them, simply visit www.RERadioLive.com.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Bobbi Decker CalBRE 00607999. Mike D’Ambrosio CalBRE 01841982. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

It’s hard to believe there are only 50 days left until 2016 arrives. This means holiday preparations coincide with plans for the upcoming year. Today Joe Cucchiara brings back Rick Smith from Windermere Real Estate and discusses previous predictions for 2015, what actually happened and some surprises like the drop in rates. They also make some 2016 predictions on home sales, interest rates and the impact from developments around downtown San Jose.

Rick also responds to John who is being urged to go through probate court to claim his deceased parents’ home and wants to know if he should wait to sell the house.

Be sure to call in with your questions during the show at 1(800)516-1220 between 3:00 p.m. and 4:00 p.m. PST on AM 1220 KDOW. To learn more about all our hosts and how to contact them, simply visit www.RERadioLive.com.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Bobbi Decker CalBRE 00607999. Mike D’Ambrosio CalBRE 01841982. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

No matter what job you have, positive human interaction is necessary. Doris Pickering joins Joe today to explain how connecting with your audience and being different often leads to success. She tells Joe that public speaking alone can generate more results than those who choose to remain a faceless internet post; and projecting your own energy about a subject onto others can be key in a work environment.

Doris also gives recommendations to people looking to differentiate themselves and discusses different strategies she uses to help all people. This includes people who are afraid of public speaking and those looking to polish up their speaking skills.

Ernie, a student of Doris’s, chimes in about his anxiety over public speaking and how she has helped him connect with his audience.

Be sure to call in with your questions during the show at 1(800)516-1220 between 3:00 p.m. and 4:00 p.m. PST on AM 1220 KDOW. To learn more about all our hosts and how to contact them, simply visit www.RERadioLive.com.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Bobbi Decker CalBRE 00607999. Mike D’Ambrosio CalBRE 01841982. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

Financial advisor Kristin Niedermeyer from Pacific Advisors joins Joe at the Verge restaurant in the Toll House Hotel. After a startling stat that many people aged 55-65 have less than $30,000 saved, Kristin shares the “5 Building Blocks of Your Financial Foundation” to get you on track for a stress-free retirement. Avoid rookie mistakes like not saving enough now or not remaining liquid enough and incurring penalties when you are forced to draw from your retirement accounts early.

Be sure to call in with your questions during the show at 1(800)516-1220 between 3:00 p.m. and 4:00 p.m. PST on AM 1220 KDOW. To learn more about all our hosts and how to contact them, simply visit www.RERadioLive.com.

Kristin Niedermeyer, CA Insurance License #0F95555, Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS), 20 Bicentennial Circle, Suite 100, Sacramento, CA 95826, 1-916-379-0200. Securities products/services and advisory services are offered through PAS, a registered broker/dealer and investment advisor. Financial Representative of The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. Pacific Advisors, LLC is not an affiliate or subsidiary of PAS or Guardian. Insurance Products offered through One Pacific Financial & Insurance Solutions, a DBA of Pacific Advisors LLC. Pacific Advisors LLC is not an independent Registered Investment Advisor.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk.  We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Bobbi Decker CalBRE 00607999. Mike D’Ambrosio CalBRE 01841982. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

The house itself is by far is one of the biggest expenses of home ownership. However, utilities account for roughly 25% of housing expenses and many buyers fail to factor these expenses into their final decision. BKI CEO and President Brian Gitt explains to Mike how UtilityScore estimates monthly utility expenses, rates it on a scale and allows you to compare against other homes and regions. Mike also finds how UtilityScore personalizes to different lifestyles, another service they offer called WaterGenius and their plans to have UtilityScore's data embedded into listing prices.

To contact Mike D'Ambrosio you can visit his website at www.MikeSellsSiliconValley.com, email him at [email protected] or call at (408)630-0101. 

Be sure to call in with your questions during the show at 1(800)516-1220 between 3:00 p.m. and 4:00 p.m. PST on AM 1220 KDOW. To learn more about all our hosts and how to contact them, simply visit www.RERadioLive.com.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Bobbi Decker CalBRE 00607999. Mike D’Ambrosio CalBRE 01841982. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

Intero Real Estate founder and CEO Tom Tognoli joins Mike in studio today as Mike gets a detailed history of Intero, the troubles Tom faced building his business and what has made him successful.

Mike and Tom give a current market update and make market predictions for the upcoming holiday months.

They also discuss the growth of the Intero Foundation which helps children in need through local charities.

To contact Mike D'Ambrosio you can visit his website at www.MikeSellsSiliconValley.com, email him at [email protected] or call at (408)630-0101. 

Be sure to call in with your questions during the show at 1(800)516-1220 between 3:00 p.m. and 4:00 p.m. PST on AM 1220 KDOW. To learn more about all our hosts and how to contact them, simply visit www.RERadioLive.com.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk.  We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Bobbi Decker CalBRE 00607999. Mike D’Ambrosio CalBRE 01841982. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

Buying a house is always an exciting process, but it’s even more exciting when you’re looking at brand new homes. However, there are different factors to consider before you decide on a new home. That’s why Mike goes through the pros and cons of new home construction like not having to deal with previous owners, but having to sacrifice some privacy to live in a new neighborhood.

Mike also discusses some news about Apple's new Spaceship headquarters that is under construction and answers a listeners question about visiting construction sites without an agent.

To contact Mike D'Ambrosio you can visit his website at www.MikeSellsSiliconValley.com, email him at [email protected] or call at (408)630-0101. 

Be sure to call in with your questions during the show at 1(800)516-1220 on Fridays between 2:00 p.m. and 3:00 p.m. PST on AM 1220 KDOW. To learn more about all our hosts and how to contact them, simply visit www.reradiolive.com.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk.  We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Bobbi Decker CalBRE 00607999. Mike D’Ambrosio CalBRE 01841982. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

It’s nearly Halloween with the midnight hour close at hand and Bobbi and Buddy are here with some creepy delights. They will tell you the harrowing tales behind some of the Bay Area’s most haunted places including The Winchester Mystery House, Moss Beach Distillery, the Agnew Insane Asylum and more.

They also share some scary stories from their stay in a haunted hotel, the time Bobbi sold a home that was haunted and navy pilot Max Branson calls in with a spooky story from his time aboard the USS Hornet.

Be sure to check out our website for additional resources, exquisite properties and more at www.BobbiDecker.com. To reach Bobbi directly call 650 346 5352 or email her at [email protected].

Be sure to call in with your questions during the show at 1(800)516-1220 between 3:00 p.m. and 4:00 p.m. PST on AM 1220 KDOW. To learn more about all our hosts and how to contact them, simply visit www.RERadioLive.com.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Bobbi Decker CalBRE 00607999. Mike D’Ambrosio CalBRE 01841982. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.